What is the penalty for driving my mom's car with only her on the insurance in UK?

Andy B.

New member
If I start driving her car, which is insured as her being the only driver, without adding me to the insurance, will the police fine me or just the insurance company won't cover me in case of an accident?
The same question applies if she borrows the car to somebody who has no car, for a few hours or a day?
 
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