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Drivers who have had their policy cancelled will then have to declare this on any future applications, and could find it harder and more expensive to get covered.

Insurers can also refuse to pay out for any claim you make which means you could be treated as uninsured.

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If you get caught, the insurer has the right to cancel the policy or charge the correct premium as a lump sum.

Drivers in high-risk groups (young and new drivers or those with previous claims or convictions) may find insurance more expensive than most.

This could prove to be nightmarishly expensive in the event of a claim.

Getting a cheap car insurance quote can be something of a challenge and - even if you manage it one year - you may have a nasty shock at renewal time if your premium has shot up.

There can be any number of reasons for this happening; your provider's criteria may have changed; the insurer could have removed a new customer discount; perhaps you've made a claim or had a motoring offence in the last year; maybe you've moved to a higher-risk address or added a motorist with a poor driving record onto your policy.

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