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YOUR car contains a key component that you should never touch yourself or risk catastrophe, it has been warned.
Warranty First says any repairs to the system must be taken care of by a professional, even if you back yourself on the tools.
Working on the brakes should be strictly reserved for trained technicians in a fully equipped workshop, Warranty First advises.
This is because even missing something slightly could prove disastrous.
Other road users and pedestrians - and yourself - could be at serious risk with faulty brakes.
The cost-of-living crunch could also discourage motorists from paying up at a mechanic - but Warranty First has implored drivers not be tempted to carry out works themselves.
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In a blog post, the car insurer warns: "Under no circumstances should anyone other than a trained vehicle technician working in a fully-equipped workshop be attempting repairs to your brakes.
"As you can imagine, missing something due to inexperience could be catastrophic, for you and for other motorists, road users or pedestrians.
"So, even if you think you know what you’re doing, leave it to the professionals when it comes to anything to do with the braking system on your car."
Warranty First adds that the parts are too complex for amateurs.
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The post says: "Qualified vehicle technicians will be able to fix any issues properly."
Meanwhile, insurance agency Start Rescue warns your brakes will naturally start to diminish with wear and tear overtime.
Drivers should seek help for repairs at the first sign of any deterioration, it's warned.
Start Rescue says an alert should illuminate on the dashboard if the car detects worn brake pads, particular if you drive a modern motor.
Otherwise, symptoms include unusual noises like squeaks or grinds.
Steering wheel shakes when your car comes to a halt are a sign of an issue with brake rotors.
Car drag when accelerating or a pull to one side should also come as a cue to get your brakes checked out.
When to call the mechanic - other tips
Warranty First listed some other common car issues that should only be dealt with by professionals.
The insurer says a windscreen should only be fitted by an expert - and make sure they're working for a reputable organisation.
Meanwhile, your motor's transmission is described as a technical "minefield" with car manual and auto gearboxes only increasing in complexity overtime.
Any gearbox issues need to be raised with the mechanic, the insurer says.
Electrics is another area too complex for many motor enthusiasts.
Aside from how complex electrics can be in modern cars, Warranty First reminds drivers that professionals have access to diagnostic equipment that regular road users don't.
The insurer also names suspension as an area best left to the pros.
It says: "Mistakes can compromise the entire suspension system, leading to a costly repair at best, and a danger to yourself and others at worst."