Despite the proliferation of websites offering the best cheap car insurance, there are significant numbers of people prepared to take the risk of driving without insurance. Over the past year over a third more people are estimated to have taken to the streets without car insurance. Much of the increase may be due to financial difficulties in the present economic climate. However, new legislation will make it an offence to have a vehicle without insurance. Recent surveys have suggested that more than two thirds of drivers think that there should be tougher penalties for uninsured drivers. The consequences of being involved in an accident with an uninsured driver can be devastating with insurance companies being forced into trying to claim some of the costs back from the insured driver.
Although penalties have become tougher, some people believe that the way forward is to see if the insurance industry can help by trying innovative schemes, such as a pay per drive scheme aimed at younger people. This can result in lower premiums for some young drivers. The idea of trying the carrot rather than the stick approach may need to be combined with pricing restructuring for customers, especially those who are deemed to be high risk. Clearly consumers will still look for the best cheap car insurance available and pricing has a significant effect on the up-take of insurance. The addition of innovative new insurance policies may therefore go some way in trying to rid the country of uninsured drivers.
In addition to tougher penalties, which include £200 fines and 6 penalty points, a two pronged attack is seen as being the way forward. The new offence of keeping an uninsured vehicle will give greater powers to the police in their war against uninsured drivers, however this is a war they are still a long way from winning. It is estimated that 1.7 million drivers in the United Kingdom drove without insurance at some point during 2008. This has a significant effect on the economy, as well as on those individuals who are unlucky enough to have an accident with an uninsured driver. Add this to the fact that drivers in the UK could save a total of over £9 billion by simply taking the time and trouble to find the best cheap car insurance and the potential for improvement is significant.
Many incentives are there to help drivers to find the best cheap car insurance they can. Competition between insurance companies helps to keep the cost of policies as low as possible and this is now combined with the new legislation to force people to take out insurance, even for those vehicles which are not in use. There are exemptions built into the new laws, which should enable those people who have a reasonable excuse not to keep their car insured, as long as they have sent a Statutory Off Road Notice (SORN) to the DVLA, to keep their car in a garage for instance. The rest of us need to make sure that we meet the new requirements. The clampdown on those people who drive without insurance should benefit the vast majority and ensure that it will not be too long before the worst offenders find themselves receiving some unwelcome attention from the police.
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© October 2009
