Cryptic crossword clue
Watch driver have prang – I’m worried about insurance 10

The most common and most likely answer to this crossword clue is the 10 letter word MAINSPRING

I've seen this crossword clue in Independent
M
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The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does MAINSPRING mean?

MAINSPRING noun
  1. The principal spring of a clockwork mechanism, which drives it by uncoiling.
  2. The most important reason for something (Cf. spring "origin of something" (literary) (often in the plural) the springs of her ambition).

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