During summer drives grabbing food on the road is often the easiest way to refuel, especially with the variety of drive-thrus now available.

However, motor insurance expert at Confused.com, Louise Thomas, has warned motorists of a little-known rule that could cost drivers using drive-thrus thousands as well as potentially 9 points on their license.

Previously, using a phone behind the wheel was forbidden, but in recent times there is leeway for smartphones to pay at a drive-thru is now allowed.

Due to this, there have since been some amendments to the law from the Department of Transport to align with developing technology.

Louise explains: “According to mobile phone laws, you can pay with your mobile phone but shouldn’t use it for any other reason while waiting in a drive-thru queue.

"This law is specifically for any activity where you're holding your phone.”

It’s therefore important to make sure you are only using your phone to pay for the food, and do not find yourself scrolling through your phone as this is against the law and if caught, can lead to a £200 fine and six points on your licence or even disqualification if you’ve only passed your test in the last two years.

If you’re in a rush or simply can’t wait until you’re home to eat, tucking into your meal behind the wheel might be tempting.

However, Louise warned why you should refrain from doing this: “As eating often requires the use of your hands, you could land yourself a fine of up to £5,000 and up to nine points on your licence.

"This is because you would be driving without due care and attention in the case of an accident.”

To avoid any risks when driving, it’s advisable that you park in a safe place to eat or take the food home with you to enjoy.

She added: "Driving in the summer can often lead to more road accidents due to multiple factors. If the worst were to happen and you break a traffic offence that causes an accident, your insurer may not pay out.

"For peace of mind, you should always check your policy before setting off for any journey this summer.”