Many drivers might get fines and penalty points because of an insurance mistake. They can avoid this by checking their insurance in two minutes. If they don't, they could have to pay for car repairs, a £300 fine, and get six penalty points.

The rules about 'Driving Other Cars' insurance are not well understood. Tom Warsop, a motor insurance expert, says drivers often think they are covered when they are not. Some drivers have very limited coverage.

Research by Covertime.com found that most UK drivers are not sure if their insurance covers them to drive another person's car. In fact, many policies do not include 'Driving Other Cars' cover, especially for younger drivers.

Most drivers do not know that 'Driving Other Cars' cover only protects other people's cars, not the car they are driving.

Last year, a record 160,000 uninsured vehicles were taken off UK roads. Tom Warsop says this is not about punishing people, but about making sure they understand their insurance before borrowing a car.

The most important thing drivers can do is check their policy before borrowing a car. It only takes two minutes to check.

Most comprehensive policies do not include 'Driving Other Cars' cover. Even when it is included, it usually only covers damage to other people's cars.

The good news is that this problem is easy to solve. If you are not covered, you can get temporary insurance to borrow a car with full protection.

First, check your policy before getting in the car. 'Driving Other Cars' cover is not standard and can be different with different insurers.

Second, do not assume you are covered to drive any car just because you have comprehensive insurance. The word comprehensive only refers to the level of protection, not the cars covered.

Third, if your policy includes 'Driving Other Cars' cover, check if it only protects other people's cars. If so, it will not cover the car you are driving.

Fourth, if you are lending your car, check if the borrower's insurance covers them to drive it. If not, arrange temporary cover for them.

Fifth, consider temporary car insurance when borrowing or lending a car. It is the safest and simplest solution, and you can arrange it in minutes.