UK drivers have been warned about a common driving mistake that could cost them a significant amount of money. With household budgets increasing and the number of new driving-related taxes on the horizon, many drivers are trying to make the most out of every last mile out of their fuel tanks.

However, according to a car expert, the money-saving habit could end up costing far more than the price of a tank of petrol. Gary McClarty, Director of its4women, an Irish-owned online insurance provider, warns that ignoring your fuel gauge is one of the most expensive mistakes motorists make.

Mr McClarty said: "We do see claims denied each year when damage occurs as a result of preventable issues. Consistently running your car with very low fuel can contribute to mechanical problems that may not be covered by insurers."

The fuel tank is part of a system designed to deliver clean petrol to your engine, and the expert explained that when driving on low fuel, the pump begins drawing from the very bottom of the tank, where sediment, rust particles, and debris naturally settle over time.

He added: "Many drivers aren't aware that small amounts of debris can build up in the fuel tank over time. When the fuel level gets very low, there's a greater chance that this sediment can be drawn into the fuel system."

This debris clogs fuel filters and damages the fuel pump, which relies on petrol for both lubrication and cooling. Without sufficient fuel surrounding it, the pump overheats and wears out far more quickly than it should.

Replacing a damaged fuel pump can cost you anywhere from £200 to £600 for parts alone, depending on your vehicle. Add labour charges, and you're looking at costs of between £400 and £1,000. If contaminated fuel has damaged the injectors or filters, repair costs can be even higher.

Insurance policies and warranties typically exclude damage resulting from improper vehicle maintenance or misuse, which includes running your car on an empty. If an assessor finds evidence of fuel starvation or contamination damage, you could be left paying the entire cost yourself.

Mr McCarthy said: "The easiest way to avoid costly repairs and inconvenient breakdowns is simply to avoid letting your fuel level fall too low. Try to top up once your tank reaches about a quarter full, especially before longer trips or during winter, when assistance may take a little longer to arrive.

"It can also be helpful to have your fuel sensor checked as part of routine servicing. If it's not giving accurate readings, it's better to find out early rather than risk being caught out.

"These small habits can make a big difference, helping you avoid unnecessary repair bills and keeping you and your family more comfortable and safe on the road."