With forecasters promising another summer scorcher, sales of convertible cars are going through the roof with 4% of new cars now able to go topless compared to just 1% ten years ago.

But the desire to feel the wind in your hair and the sun on your face has its drawbacks, according to the UK’s leading high street insurance retailer, Swinton.

Despite the Met Office telling us temperatures are set to soar once again this summer, the hot weather during April was short-lived and forecasts for May are pretty changeable with showery, wet and windy weather.

Car interiors, sat-nav systems and stereos can be seriously damaged if convertible cars are caught short in a shower with the roof down so the advise is to think twice before going topless if there’s any chance of rain. Some policies do not cover damage caused when a car has been left unattended with its roof down.

Likewise convertible drivers need to adopt a rigorous security regime to ensure that valuables aren’t easy pickings for opportunist thieves if the car is left with the roof down as theft claims are often void in this case because it is deemed as not being left in a secure condition, even if there is an alarm fitted with sensors.

Oh please give us some credit. As if we would seriously put ourselves in that embarrassing position of having to put the roof up as the heavens opened – just like I did on Wednesday!

FemaleFirst Jackie Violet