We've all seen Police, Camera, Action - we know driving without car insurance is illegal. But did you know driving without the RIGHT insurance amounts to the same thing?<\/p>\r\n\r\n
Not all insurance policies include this cover and the ones that do require the car you're driving to be covered by its own policy as well.<\/p>\r\n\t\t\r\n\t\t
The 'driving other cars' extension only covers liability to third parties - so if you had a crash, damage to other people would be covered but damage to the car wouldn't. Think twice before taking your dad's Porsche for a spin.<\/p>\r\n\t\t\r\n\t\t
Most insurers only give this extension to drivers over 25 who have their own fully comprehensive insurance, so you must check you're covered. If you're not, it's illegal to drive someone else's car.<\/p>\r\n\t\t\r\n\t\t<\/li>\r\n\r\n\t
Say you fibbed a bit on your insurance and said you only drive your car for social and commuting purposes, but you actually use it to visit customers too. That means your policy could be invalid, and you're not covered to drive. That's illegal too.<\/p>\r\n\t\t\r\n\t\t
Do you know what can happen if you lie to your insurer<\/a>? <\/blockquote>\r\n\t\t<\/li>\r\n\t\r\n\tWhat's the penalty for driving without insurance?<\/h2>\r\n\t\r\n\t
Police these days have number plate recognition cameras. That means you can get caught at any time, and they'll bust you within seconds.<\/p>\r\n\t\t
If you get caught driving a vehicle you\u2019re not properly insured for, you could get a \u00a3300 fine and 6 penalty points.<\/p>\r\n\r\n
If the case goes to court, you could get:<\/strong><\/p>\r\n\r\n\t
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- An unlimited fine<\/li>\r\n
- Disqualified from driving<\/li>\r\n\t\t
- The car seized or destroyed - even if it doesn't belong to you<\/li>\r\n\t\t<\/ul>\r\n\t\r\n\t
What you can do instead of breaking the law<\/h2>\r\n\t\r\n\t
Yes, insurance can be expensive for young drivers - but if you're wise about it, you can get the policy that's right for you. Here's a few tips to give you some hope:<\/p>\r\n\t\r\n\t
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- Choose the right car<\/strong>\r\n
Engines under 1.4l are best, and picking a car from insurance group 1<\/a> will usually give you the lowest quotes.<\/p>\r\n\t\t\t<\/li>\r\n\r\n
- Avoid modifications<\/strong>\r\n
Things like putting in a massive stereo or adding alloys are likely to put up the cost of your insurance. Find out why modifications are such a big no-no<\/a>.<\/p>\r\n\t<\/li>\r\n\r\n
- Check out black box insurance<\/strong>\r\n
By collecting data on your driving style, an insurer can give you discount based on how you drive as an individual. Check out how it works with ingenie<\/a>.<\/p>\r\n<\/li>\r\n\t\t\r\n\t\t
- \r\nPay your premium upfront<\/strong>\r\n
You\u2019ll pay less by paying for your insurance in one go, rather than paying a smaller amount each month.<\/p>\r\n<\/li>\r\n\t\t
- \r\nBuild up a No Claims Discount<\/strong>\r\n