The Association of British Insurers (ABI) has warned that motorists who knowingly give false information or fail to disclose motoring convictions are putting their insurance cover at risk and are driving illegally.
They face not only a criminal conviction, but a lifetime of more costly and harder to obtain car insurance, not to mention difficulties in accessing other financial products such as credit, the ABI said.
A study carried out by the trade body found that over half (53%) of motorists believe that fronting - where a parent insures a vehicle in their name, despite the actual main driver being their son or daughter - is an acceptable practice to obtain cheaper car insurance.
A fifth of those questioned said they would consider exaggerating the period since they last claimed on a policy.
The survey also found that 12% would consider not revealing important motoring convictions, while a tenth would contemplate giving false information regarding their age, address or occupation, to obtain cheaper car insurance.
Nick Starling, the ABI's director of general insurance and health, said: "Trying to deceive your insurer is a false economy that will cost you dear."
© Press Association 2011