Three-quarters of drivers could be making the same mistakeNeil Shaw Assistant Editor13:28, 06 Jul 2026Millions of drivers could face penalty points and a hefty fine for an insurance mistake that can be avoided with a simple two-minute check. Drivers could be unknowingly exposing themselves to vehicle repair bills of thousands of pounds, a £300 fine if caught with invalid insurance, six penalty points on their licence, and, in the worst cases, vehicle seizure and a criminal charge.‌The rules around 'Driving Other Cars' insurance cover are poorly understood and rarely explained clearly, according to Tom Warsop, motor insurance expert at Covertime.com. Drivers who assume they are covered may have no valid insurance at all, and those who do have some cover often aren't aware it is very limited