“Age fraud”, the scheme that is spreading by teenagers who walk

Young Dutch do not put their name as a insurance borrower; It gets cheaper. It is usually the mother or father who appears in the contract.

The scheme has the designation fronting. In Portuguese we can translate as “Facade fraud”. That is, someone who appears “ahead” but is not the person concerned.

It is usually a term used to describe a person, or group, uses another to perform illegal transactions or activities; thus hides your own identity or that of your organization.

It is a person, or a company, who makes transactions on behalf of another person or organization, with the aim of hiding the real identity of the beneficiary or the source of the funds.

This is not quite an illegal activity, there are no deviations of money. But it is, at the very least, doubtful: it is riding a motorcycle with insurance that is not in the name of who is driving.

In the Netherlands, this scheme is spread among Teenagers: They buy a motorcycle, have insurance (so far, everything normal). But the name that appears in the contract is not that of the adolescent. Is from mother, or from pai.

And this system is being increasingly frequent. The warning was given on Monday, in a press release issued by, which calls him “Age fraud”.

Only over the first five months of this year, 20% Of the requests for new insurance were made with this scheme in the Netherlands.

Most of these cases are registered in young people from 16 driving Vespa (52% of total contracts). Univé estimates that, by the end of this year, more than half Of the 16 -year -olds are involved in this scheme.

There is a reason for teenagers to take this option: money. As they are little or nothing experienced on the road, it is more likely to cause an accident. Therefore, the value of the policy is higher, the Safe is more expensive.

When putting their mother or father (or older brother) as a insurance borrower, the policy gets cheaper.

The insurer has already announced that it will take more strict measures. Because “if this is done consciously, is technically a form of insurance fraud“, Marks Univé, cited in.

This “broad market problem” continues the insurer (which is not the only one affected), will be fought: the value of insurance has already risen to 1.000 euros, But that is not enough – now the company will start Delete from the roof the damage which, proven, have been caused by a young driver who is not registered as a driver on the insurer. These damage is completely excluded from the contract.