One in Ten of Britains Drivers Uninsured

24 Sep
2009

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Views

The MIB (Motor Insurers Bureau) has reported that an estimated 1.7million drivers are on Britains roads uninsured.

Their report highlights, unsurprisingly, that major urban areas including London (where 13% are understood to not have proper insurance), Birmingham, Liverpool and Manchester have the highest rates of uninsured drivers overall. Although surprisingly, 40-70 year olds make up 25% of those driving uninsured.

At a postcode level, 60% of the highest risk postcodes were in the Midlands but the worst postcode area for uninsured drives was BD3 in Bradford.

Losses from accidents involving uninsured drivers cost UK policyholders £30. Last year over a quarter of a million drivers were penalised for driving without insurance, an estimated conviction rate of 14%.

The penalty for being caught without insurance varies depending on the seriousness of the incident. Typically an IN10 conviction code is added to the licence and a fine of £180 accompanies a 6 point penalty. The conviction code can carry a ban, particularly for repeat offenders. Bans may also occur because often the conviction is a result of being caught speeding or causing an accident which, as seperate offences, may carry further penalty points pushing the offender over the totting up limit.