It is against UK to drive without any valid insurance. Without insurance when caught there is an automatic fixed penalty notice. How do uninsured drivers effect you as one who is law abiding?
It is estimated that every insured driver in the UK has to pay around £30 of their premium towards covering the cost of the uninsured driver. They also inflict other financial burdens upon our society because, statically they also neglect to adhere to traffic lights, and stop signs etc and have a tendency to be mixed up in other forms of crime.
The governments understanding with the Motor Insurers Bureau (MIB) means that the insured driver will be compensated when involved in an accident with a driver that is uninsured. The compensation covers personal injury, and damage to both property and vehicle. Where the uninsured driver cannot be traced, but the vehicle is identified, only a damage claim to property can be recompensed.
Currently the Department of Transport and the Serious Organised Crime Agency are working together to reduce the amount of uninsured drivers on UK roads. The police are also working with the Motor Insurance Database and with the use of Automatic Number Plate recognition equipment are now confiscating in the region of 1500 uninsured vehicles a week.
Automatic reminders are sent out to uninsured drivers (or when the insurance policy expires) when these are ignored the driver is issued a fixed penalty notice. Re-offenders will have there vehicle confiscated and destroyed.
The same rule applies if you own a vehicle that is no longer in use, or your insurance policy has expired. You will have to get a Statutory Off Road Notice certificate (SORN), this is to inform the authorities that you have a vehicle, but will not be driving it until at such time as you re-insure and tax it for road use if applicable.
What will Happen?
As mentioned above, the police have the power to confiscate your vehicle and have it destroyed. The vehicle can only be released on the production of a valid insurance certificate by the registered owner.
A maximum fine of £5000 can be imposed with an immediate endorsement plus up to 8 penalty points. A court can impose disqualification instantly when it is deemed necessary. A fixed 6 point penalty notice and a £200 fine are also given, allowing the police complete implementation of the offence. Although this is statutory, it will not protect the offender from direct prosecution from the police.
The 2006 Road Safety Act provides the right, to impose tougher sentences for any uninsured drivers that are involved in a serious accident or a fatality.
Buying insurance | How to make a claim | Driving Abroad | Uninsured Driving | Insurance explained
Back to car Advice