There must be fifty ways to lose your cover


With apologies to Paul Simon, there must be fifty ways to lose your cover – and here are two that could see you rapidly invalidating your car insurance policy.

First up this week, there are new reports out there that hint at a new fear amongst car insurance companies: that they’re not getting every single pound they can from families with children of driving age. Parents are now being issued fresh warnings that they could risk invalidation of their own motor car insurance by falsely claiming that their children aren’t actually the main driver on the policy; it’s called fronting and technically it’s illegal and a form of insurance fraud.

Meanwhile have you seen how hard it is to find cheap car insurance for young drivers? Premiums are still through the roof for the under-25s in the UK, and sometimes prices are so high that a year of comprehensive cover is actually more expensive than the secondhand Vauxhall Astra the young man or woman managed to save up enough to purchase. Maybe if insurers didn’t charge a bloody arm and a leg to younger Brits their parents wouldn’t feel compelled to commit insurance fraud on their behalf, ever think of that you bastard insurers?

Meanwhile there are some ways for younger Brits to gain access to cheaper cover but it usually involves getting their car fitted with one of those privacy-robbing telematics devices that keeps track of all your movements behind the wheel. Well, hold on to your hats ladies and gents – in a related news story this week there are predictions that telematics will take off wildly in popularity to the point where it could be the only real option for drivers within 10 years. In other words, you’ll either have to have one of those bloody snooping black boxes under your bonnet or you won’t be able to find an insurer willing to offer you cover at any price except prohibitively expensive.

Am I the only one in the universe that thinks this is a bad idea? I don’t want a corporation literally knowing my every damned move when I get into my car. For pity’s sake there’s enough surveillance in the UK already, why are we so keen to accept even more into our lives? London is one of the most closely watched cities in the world at this point with its incredibly expansive CCTV network. I swear George Orwell must be turning over in his bloody grave.

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