CAR INSURANCE MYTHS

For example, driving a car that isn't yours - because you believe the myth that comprehensive cover automatically allows you to drive anything - is illegal. If you're caught, you could be hit with six to eight penalty points and even a £300 fine. While this was once upon a time a standard feature of the policy, it's now far less common.

Without insurance, you, your vehicle, and other motorists aren't protected against liability in the event of an accident. Not only is it against the law, but it's also dangerous and irresponsible. But you don't need us to go on about just how important car insurance is. You might be a new driver, but we trust you more than that.

Let's debunk more common myths that could harm you.

Myth #1 Red cars are more expensive to insure

Colour has no impact on your insurance. So, not only are red cars not more expensive to insure, but neither are blue, green, yellow, or even rainbow-coloured cars. Insurance rates are calculated using factors such as your age, driving behaviour and the make and model of your vehicle. When you're in the process of finally choosing your long-awaited first car, pick a colour you like as opposed to a colour that might get you cheaper insurance. Because chances are, it won't.

Myth #2 Keeping your car in the garage means lower insurance costs

This is technically a myth because there's no guarantee that keeping your car in the garage means cheaper insurance. It might be true; it might not be true. Ratings provided by insurance companies are based on claims data, so, if you live in an area where a significant figure of claims have been made because of garage-related accidents, your monthly price could in fact go up.

In a similar way, if you live in a region where more claims have been made due to road-related incidents, parking your car in a ...