A colleague was stopped by the Police last week – “a random tyre check, sir” – when he was driving a borrowed car. The tyres were fine but when asked for his insurance details, it transpired that he’s not covered to drive other people’s cars. Apparently, more and more insurers are withdrawing this third-party cover and not bothering to make it clear to the customer. “Not a lot of people know about it yet, sir,” said the weary policeman. “We have this problem a lot.”

I’ve checked my own policy and it says that “the Policy Holder is insured whilst driving any motor car not belonging to him and not hired to him… (blah, blah)”. I assume him covers her? It’s the usual thing.