Ignorance is no defence against the law, which is bad news for the 1.8 million motorists who have driven without insurance after wrongly assuming they were covered.
Research carried out by LV= car insurance revealed that close to two million motorists will drive a friend's car in the mistaken belief that they are acting within the law.
In addition, some 47 per cent of those questioned said they had allowed an uninsured driver to get behind the wheel of their car on a regular basis.
Managing director of LV= car insurance John O'Roarke warned that "if someone has driven your car without insurance, and with your permission, you could face a fine and up to eight points for permitting a vehicle on a public road without an insurance policy being in force".
Even those who are aware of the law seem undeterred by it, as 44 per cent of motorists admitted to lending their car to a friend when they were uninsured.
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