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It covers damage to the other person's car or compensation but if your own car is stolen, burnt out or damaged it is not covered.

Third party will often come as third party, fire and theft or can be beefed up using add-on insurance such as Fire and Theft.

The best way to double check is to use a car insurance finder, such as This is Money's.

You typically get a 30 per cent discount after one year of claim-free driving, rising to 65 per cent after four or five years. Some go up to a 70 per cent maximum while others specialising in younger drivers will give higher discounts at an earlier stage.

Online dating really works if you are serious about it and treat your online dates as real ones.