According to the Motor Insurance Bureau (MIB) the police seize 2,500 uninsured vehicles every week.
In addition, it says that every three minutes someone is prosecuted for car insurance offences, which means either there’s a judge somewhere with an exceptionally high work ethic, or else they’ve decided to ignore the details and instead aim for immortality within the pages of the Guinness book of records.
However, driving uninsured is not a funny game. If you are caught then you could be looking at a £300 fixed penalty and six points on your licence.
You could also lose your car if it’s seized by the police and you’ll need valid insurance to get it back.
If it goes to court then the fine is unlimited and you could also be disqualified from driving.
Even if your car isn’t being driven you could be looking at a £100 fixed penalty, having your vehicle clamped, seized and crushed and a prosecution with a maximum fine of £1,000.
The MIB is now taking steps to address a recent increase in the number of uninsured drivers.
There had been a decrease since 2005, but then cases rose by 20,000 between 2013 and 2014.
A third were drivers under the age of 25 and so a campaign has been launched to target this age group.
Playing on the apparent social stigma of being caught driving with no insurance, an advert has also been released, showing a young driver losing first his car, then his friends and then finally his girlfriend after admitting he’s driving them all around town with as little regard to the law as his own acting.
A large part of the problem is the huge costs involved in insuring a young driver with little or no driving experience.
There are ways to mitigate the expense, as explained in the MIB’s campaign, but while the Department for Transport continues to slowly piece together the impact and use of telematics-based insurance on young drivers, very little help is being offered to them at a government level.
If you have been caught driving an uninsured vehicle contact Anton Balkitis on 0800 046 3066 or visit the website if you are looking for motoring solicitors.