Many people apply for insurance, briefly scan the terms and conditions, and assume they're cleared to drive their car, their neighbour's car or even their wife's car.

In many instances this isn't the case and you can quickly end up in a situation where your insurance is invalidated and you're facing a hefty bill, penalty or worse. So what can invalidate your insurance?

When it comes to renewing a policy, far too often motorists overlook a couple of key points which may end up costing them financially. In many cases motorists either choose to renew their policy with their current insurer automatically or they compare one or two insurers and go with the cheapest option.

Motorists choosing to do either of the above are likely to miss out

Flat’s the way to go when it comes to windscreen wipers, as this type of blade design has won over car makers and drivers alike.

It’s easy to see why, because they do away with the ugly metal framework of older designs, replacing it with a metal shaft within the rubber that keeps an even pressure on the screen. Flat blades are also more 

Still think that the 4 bits of rubber on your car must be the cheapest? Think again. Below is a summary of a tyre test done by Autocar, (http://www.autoexpress.co.uk/products/total_tyre_guide/213186/tyre_guide.html#ixzz0x8wi5cQ5) and you will see if you visit them why if you value the life