Drivers may be unable to apply for car insurance policies after making simple mistake

Martin Lewis warns viewers about drastic car insurance changes

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Alex Kindred, car insurance expert at Confused.com said driving without an insurance policy was likely to “damage your record” when applying for new cover. However, research from the firm found one-third of drivers have borrowed or driven another car without having the right cover.

He warned many insurers do “appreciate” drivers may use other vehicles in some emergencies.

However, they said an agreement to drive other cars must be “outlined in your policy” or motorists could be hit with consequences.

Speaking to Express.co.uk, he said: “Driving without insurance is an offence that can be costly in fines but can also damage your record when it comes to applying for a new car insurance policy.

“Not only this, but you could risk having to pay to have the car released, which when you consider the fine as well, could end up costing you more than an insurance policy itself.

“Insurers appreciate that there are some emergency situations where you may need to jump behind the wheel of a car you don’t own, which is why some offer driving other cars within their comprehensive policy.

“But being over 25 or having a comprehensive policy doesn’t automatically entitle you to this.

“This must be outlined in your policy, or you do risk the penalty.”

It comes after research from DirectLine found millions of motorists risk penalties for driving uninsured every year by driving without insurance.

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New research shows around 6.7 million people may have driven someone else’s car without a valid insurance policy in the past year.

A total of 38 percent of those who said they have driven another car in the last 12 months even checked they were insured to do so.

A massive 32 percent said they were fine because they had their own fully comprehensive policy.

However, driving other cars is no longer a standard element of comprehensive cover.

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