One in Ten of Britains Drivers Uninsured

One in Ten of Britains Drivers Uninsured

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.

Related: Car insurance with an IN10 conviction