Half a million motorists driving with no insurance simply because fines are just &#39a fraction&#39 of value of a …

  • Figures launched following Freedom of Details request
  • Uninsured drivers include £33 to the value of every single motor insurance coverage policy
  • £300 fines outweighed by premiums of up to £2,000 for young drivers

By Ray Massey


Practically half a million United kingdom motorists have acquired penalty factors for driving without having insurance over the previous 3 many years, new figures reveal today.

And paltry court fines averaging £300 – ‘a fraction’ of the expense of some policies – are blamed for the ‘scandal’ that sees uninsured drivers triggering 130 deaths and more than 26,000 injuries a year, say experts.

The lower fines are ‘unlikely to deter the persistent uninsured driver’ and are tempting rogue drivers into thinking that driving without insurance is a financial threat that is nicely really worth taking, they note.

Penalty: Nearly half a million drivers didn't buy insurance over the past 3 years

Penalty: Almost half a million drivers did not acquire insurance in excess of the previous 3 years

Some 473,564 drivers had been handed penalty factors for driving without having insurance amongst 2010 and 2013, according to examination of a Freedom of Details request by Churchill Car Insurance.

It reveals that a lot more than 5,587 folks in the Uk received 2 or much more endorsements on their licence for driving uninsured in 2013 – which means they have at least twelve penalty factors. And some 50,544 motorists also presently have other driving endorsements alongside factors for driving with no insurance.

The Churchill report also notes: ‘Analysis reveals that 1,414 motorists still hold a valid licence regardless of having 12 or much more penalty factors on it, with at least some of these awarded for uninsured driving in 2013.’

A single driver from Cheshire nonetheless holds their licence in spite of possessing 36 factors. The AA calculates that uninsured drivers price the insurance coverage business about £380million a 12 months and include around £33 to the value of each and every motor insurance policy.

Critics say the issue is currently being produced worse simply because the fines dished out by courts are just ‘a fraction’ of the price of car insurance – which can prime £2,000 for a substantial threat or younger driver.

The common fine issued by the courts for uninsured driving in 2012 was just £322, excluding fixed penalties issued by the police. And regardless of penalties rising 13 per cent amongst 2010 and 2012, the court fines stay a fraction of the £5,000 optimum penalty.

The findings of Churchill’s report also highlight ‘a lack of national consistency’ in the level of fines awarded by the court. It notes how in 2012, Warwickshire handed out the greatest regular fines at £385. That is about 50 per cent increased than South Yorkshire which has the lowest fines averaging just £260.

The Churchill report notes: ‘Being uninsured on the road is a huge danger to other road consumers and unfair to law-abiding motorists.

‘Yet the optimum court fine for driving without having insurance coverage is just £5,000, in contrast to a maximum court fine of £2,500 for littering and £1,000 for failure to pay out for a Television licence.‘

It adds: ’Although uninsured drivers could be issued with a fixed penalty of £300, this is unlikely to deter the persistent uninsured driver. Earlier study identified that motorists would help a larger fine of £900 to deter uninsured drivers.’

Steve Barrett, head of car insurance at Churchill stated: ‘A quantity of enhancements have been produced to tackle the concern of uninsured drivers in excess of the past couple of years but there are still a surprising number of irresponsible motorists taking to the roads without necessary cover.’

He added: ’Untraced and uninsured drivers cause 130 deaths and in excess of 26,000 injuries every yr, so much more have to be completed to stamp out this problem.’

He stated: ‘The regular motorist prosecuted for driving with no insurance coverage is fined only a fraction of the greatest penalty. Increased fines, especially individuals that exceed the value of the typical motor insurance coverage premium, will undoubtedly support discourage offenders.’

The fixed penalty charge for motorists caught driving uninsured is £300, a rise from £200 considering that August 2013, and 6 penalty points. If the case goes to court, this could rise to a maximum £5,000 fine and be accompanied with a driving disqualification.

The launch of so-known as Constant Insurance coverage Enforcement (CIE) in 2011 made it an offence to preserve an uninsured automobile except if it is declared off the road.

The Churchill report concludes: ‘While the quantity of uninsured drivers caught has decreased by 34 per cent since 2011, uninsured driving remains a United kingdom-wide problem’.

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