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But those consumers who do not have a comprehensive policy might find they have to shell out their own pockets to help with the replacement of objects or financing of repairs should they be an accident or the victim of crime. On his turn, this might have to meet other demands on their finances in areas such as loan repayments, council tax bills, mortgages and credit cards and store.

Meanwhile, those who want to enjoy the favourable weather conditions in a flashy new convertible were given a gentle reminder that Britain sees an average of 55 days of sunshine per year.

Referring to the need for motorists to obtain comprehensive insurance, the price comparison site opposite the "horror stories" of the soft-top roofs will be slashed and items that are stolen out of easily accessible glove compartments in convertible cars. And although the reality of this actually happens may not be as likely, because some drivers may think, given the reflection on the differences between the non-convertible and convertible vehicles, Confused still urged drivers to take out adequate insurance.

A commentary on the data, Debra Williams, director of Confused, said: "Like most of the pleasures of life, many drivers find that the desire to own an elegant new cars will outweigh the practical concerns and perceived costs involved . But car insurance is increasing competition thus whether assure you of an old banger or a sleek sports car, it is vitally important to shop around for the best deal to ensure that you do not have to pay for the opportunities for your car insurance. "