Driving Without Insurance Increases
More and more people are choosing to drive their cars without insurance
. 20% of all drivers asked in a recent survey said that they, at some time, had driven a car without insurance. The previous survey had shown just 15% driving without insurance. In most cases, it was done in their own car. Most of those who drove without insurance were either men or young drivers.The offence of driving without a licence can result in a heavy fine, combined with the loss of 6 points from the licence. In addition, most offenders have to go to court. The police can also impound the vehicle. If the cost of towing and storing the vehicle is not paid within 14 days, it is crushed. Despite the risk of losing their licence and car, because of the current economic climate, people are still driving without insurance in increasing numbers.
Drivers who drive without insurance cost insurance companies huge amounts of money every year. If an uninsured driver hits a driver with fully comprehensive insurance, the insurance company pays for the insured car to be repaired. On top of that, the driver who has been hit has to pay any excess and loses their no claims discount. The innocent driver also loses a lot of money.
If you have only third party insurance and are hit by an uninsured car, you have to pay the entire cost of having your car repaired. Even when you get the drivers detail the police may prosecute, but you will not recover the costs of repairing your car. It is very rare that an uninsured driver will actually pay for the costs of the repair.
The police are re-doubling their efforts to tackle uninsured drivers. The DVLA keeps a list of drivers that have not paid their road tax; since in the UK you cannot get road tax without insurance many of these untaxed cars have no insurance either. Thus, this information can be used to by the police to find and prosecute uninsured drivers before they have an accident.
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