It only takes one mistake in your registration plate, date of birth, or another piece of information on your policy application to find yourself uninsured.

Read through your policy documents to check everything is as expected.

Did you know that there are different types of insurance for different purposes? These are called 'class-of-use'.

If you are making pizza or package deliveries, for example, then you require hire-and-reward cover. Heading to a meeting for your job? Then you'll be needing business cover. Contact your insurer directly to confirm the right cover for your needs.

Seems obvious, right? But how often do you check your bank statements or pay attention to notifications of bounced payments?

Missing payments could result in your provider cancelling your policy, meaning you’re driving around uninsured.

Unfortunately, motor insurance advertised on social media platforms such as TikTok can be a type of fraud. In a scam known as Ghost Broking, insurance policies are advertised at lower rates than you may find with legitimate insurers. 

But if you fall for the appeal of saving money without checking what you’re really buying, you could end up paying a lot of money for a document worth nothing… and find yourself in a world of trouble! Make sure you only purchase insurance from a BIBA-registered broker or insurer who is an MIB member.

If you’ve modified your car, it’s really important to let your insurer know, even if you consider them to be just minor items like different wheels or adding a spoiler. Not declaring small changes can void your policy, leaving you uninsured and in danger of having your car seized. 

And, if you’ve taken a project car off the road to work on, it must be either still insured or declared SORN with the DVLA (as long as it’s on private land). Not having one of these two in place is a criminal offence.

Even if you have fully comprehensive car insurance, your policy may not cover driving other vehicles. If it does, it’ll only be third-party cover, the vehicle itself must have valid insurance, and there may be certain stipulations in place such as not being applicable for use with other vehicles belonging to your household.

Check your policy and consider daily or even hourly short-term policies to make sure you're fully covered.

It may be tempting to save money by having a parent or guardian listed as the main driver, with yourself as a named driver. But did you know that this is actually a type of fraud known as Fronting? 

You must state the correct main driver on your insurance application, otherwise you’re not only liable for all the consequences of uninsured driving, but you could also end up on the Insurance Fraud Register!

Whilst uni accomodation can feel temporary, if you're living away from home and taking your car with you then you need to declare your new address.

Insurance is based on risk, so not declaring the correct main address to your policy provider may invalidate your insurance.

If you've had a change of circumstances, you need to make sure you inform your policy provider, who can advise on whether this needs to be reflected in your policy documents.

This may include a new job, a change of address, a change in health, or if you've received penalty points on your licence. This will also apply to any names drivers on your policy.