Practically half a million United kingdom motorists (473,564) had been handed penalty points for driving without having insurance (an IN10 endorsement) among 2010 and 2013, in accordance to evaluation of a Freedom of Information (FOI) request by Churchill Car Insurance.
Information from the FOI request exposed there are currently 50,544 motorists that hold other driving endorsements alongside an IN10 for driving without having insurance coverage. Analysis reveals that one,414 motorists nevertheless hold a legitimate licence despite having twelve or far more penalty points on it, with at least some of these awarded for uninsured driving in 2013. One particular driver from Cheshire nonetheless holds their licence in spite of getting 36 points!
The regular fine issued by the courts for this offence was £322 in 2012 (excluding fixed penalties issued by the police). Despite penalties escalating 13 per cent between 2010 and 2012, court fines continue to be a fraction of the £5,000 maximum penalty.
Churchill’s findings also highlight a lack of national consistency in the degree of fines awarded by the court. In 2012, Warwickshire handed out the greatest regular fines at £385, about 50 per cent higher than the lowest in South Yorkshire, exactly where fines averaged £260.
Getting uninsured on the road is a enormous danger to other road customers and unfair to law-abiding motorists. However the maximum court fine for driving with no insurance coverage is just £5,000, in contrast to a optimum court fine of £2,500 for littering and £1,000 for failure to pay for a Tv licence. Although uninsured drivers could be issued with a fixed penalty of £300, this is unlikely to deter the persistent uninsured driver. Prior investigation found that motorists would help a larger fine of £900 to deter uninsured drivers.
Steve Barrett, head of car insurance at Churchill, commented: “A number of improvements have been produced to tackle the problem of uninsured drivers above the previous couple of many years, but there are even now a shocking number of irresponsible motorists taking to the roads with out necessary cover. Untraced and uninsured drivers trigger 130 deaths and over 26,000 injuries every single year, so a lot more need to be carried out to stamp out this issue.
“The typical motorist prosecuted for driving with no insurance coverage is fined only a fraction of the optimum penalty. Higher fines, particularly these that exceed the expense of the common motor insurance premium, will undoubtedly support discourage offenders.”
The fixed penalty charge for motorists caught driving uninsured is £300 (up from £200 because August 2013) and 6 penalty points. If the case goes to court, this could rise to a greatest £5,000 fine and be accompanied with a driving disqualification.
The launch of Steady Insurance Enforcement (CIE) in 2011 manufactured it an offence to keep an uninsured motor vehicle except if it is declared off the street. While the variety of uninsured drivers caught has decreased by 34 per cent since 2011, uninsured driving remains a Uk-broad dilemma.
Churchill protects extensive policyholders’ declare cost-free many years, also covering their excess if by no fault of their own an uninsured driver hits their car.