Many providers will let you add a new driver to your policy at a later date. However, the terms around this process will differ from provider to provider, and some providers might charge a fee if you wish to make changes to your policy.

There are a number of factors that can make your motor insurance more or less expensive, including:

• Your age
• How long you’ve been driving
• The vehicle you own
• Your driving history
• Your annual mileage
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No, you don’t need to insure your vehicle if it’s off-road i.e. it remains in a private driveway or garage. However, you do need a valid Statutory Off-Road Notification (SORN).

Here’s a five-step process to estimate your annual mileage:

1. Figure out the distance you travel to and from work each day

2. Estimate the distance you travel for weekly shopping, social outings and further afield trips (such as staycations).

3. Add these figures together

4. Multiply this number by 52

5. Add a small amount of contingency to this number

Motor insurance laws in the UK state that your vehicle must have valid insurance to be driven on the road or in public places. The laws protect drivers financially if an accident happens and a claim is made. Without it, you would be responsible for the financial ramifications (which could cost you thousands) and you would be breaking the law by not having the minimum level of car insurance.