Hundreds of Thousands of Motorists Drive Uninsured
Institute of Advanced Motorists Reveals Number of Uninsured Drivers
The Institute of Advanced Motorists has revealed that 226,803 people have points on their licence for driving without insurance. This figure - which breaks down to 194,997 full licence holders and 31,806 provisional - comes courtesy of a freedom of information request and equates to 1 in every 200 full licence holders. Furthermore, drivers aged 25 to 35 are the most likely to commit this offence whereas those over 65 are the least likely. And it seems men are more likely to offend than women irrespective of age group.
Institute Chief Executive Discusses Uninsured Drivers
The Institute of Advanced Motorists Chief Executive, Simon Best, claimed: “These findings are shocking. Those 200,000 individuals who drive whilst uninsured place the burden back on those who abide by the law through higher premiums and potentially the cost of vehicle repair.” Mr Best added: “The most concerning fact is that this could just be the tip of the iceberg, as these numbers only represent those who have been caught and penalised. Insurance fraud and uninsured driving are also growing problems that need to be tackled through a coordinated approach from enforcement authorities.”
Uninsured Drivers Face Higher Insurance Premiums
Somebody that is caught without insurance – who later applies for cover – might find the premium alarmingly high. Let us consider an example. The Institute of Advanced Motorists has revealed that an 18 year old from Surrey might pay £952.68 to insure a Vauxhall Corsa 1.2L. This assumes that he/she has a clean licence. However, throw-in a conviction for driving without insurance and the figure rises to £2,195.94 (according to MoneySupermarket). A perpetrator might also be fined and have the vehicle confiscated.
MoneySupermarket Expert Discusses Uninsured Drivers
Peter Harrison, a car insurance expert at MoneySupermarket, said: “It’s astonishing how many drivers are still prepared to hit the road without insurance. Not only is it illegal but you could face thousands of pounds in liability, a conviction, six points on your licence and a hefty fine should you be caught out or be involved in a crash. To make matters worse, uninsured drivers cost the insurance industry £500 million each year. Furthermore, insurance fraud adds £39 to the cost of every motor premium.” Mr Harrison continued: “Although car insurance premiums may appear high, having suitable insurance and proving you are a safe driver will help bring premiums down over time.”