After leaving home during a snowstorm to runanerrand to a local Co-op, she boarded a bus driven by Gartshore, who was the last person to see the schoolgirl alive.
So, when Derek first got the Mini Cooper, he kept it in the garage and insured it only on the days when he really wanted to use it, rather than paying regular monthly car insurance and using the car every time he needed to runanerrand.