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The backbone of the household’s transport options, with much of the driving being undertaken during peak hours or in high risk conditions, the main vehicle has to fulfil a wide range of functions successfully.

If it’s coming round to the time when your cover is due for renewal, how can you obtain a cut price policy which still gives you all the protection you need?

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Be aware that not only can a less experienced second driver bump up your premium significantly, but it’s also illegal to put down a new driver as a second driver on your policy in an effort to minimise the premiums they pay (known as fronting).

Except in exceptional circumstances, it’s normally cheapest in the long term to set new drivers up with their own insurance policies and keep your main car cover separate.

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As a versatile, reliable workhorse, it's little wonder that the family car is difficult to insure cheaply.

Frequently notching up a high mileage, the excellent performance and significant power such vehicles often possess results in soaring premium prices.

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