Car insurance can be costly especially for teenage drivers who have just passed their tests.
Some families try to reduce premiums by registering cars that are really owned by young drivers in a parent's name.
They then list the teenager as a named driver on the insurance policy instead of the main one.
But if the young driver makes a claim and the insurer finds out, any damage to their own vehicle will not be covered and the insurer could try to get the full premium from a parent.
Graeme Trudgill of the British Insurance Broker's Association reveals other ways to cut costs.