Context
FOS is urging young drivers across the UK to make well-informed decisions when taking out car insurance. With many young people getting behind the wheel for the first time, it is vital they understand what to look for in a policy and how to avoid common pitfalls.
Key points to note and next actions
- FOS is calling on young drivers to avoid common pitfalls with their car insurance.
- Drivers are advised to make sure they understand what their policies cover.
- FOS reminds people that it can help resolve issues directly with their car insurance provider.
Last year the FOS received over 1,200 car insurance complaints from drivers under 25. The top three issues were cancellations of policy, followed by administration or customer service problems and claim related complaints including delays in settling claims. FOS has identified issues that can affect car insurance policies and sometimes premiums which newer drivers may not be aware of. These include undeclared car modifications, concerns over telematics devices, and ‘fronting’ – where a more experienced driver, such as a parent, claims to be the main driver of the vehicle that is mainly used by a younger, less experienced driver.