Despite the availability of cheap car insurance quotes online, many drivers in the United Kingdom are still driving their cars without insurance. Some of the country's largest cities are therefore blighted by uninsured drivers. As many as 13% of drivers in London do not have insurance followed by 12% in Merseyside and 10% in Manchester. Following these, the West Midlands and West Yorkshire are badly hit with 7% of uninsured drivers each. Some of these issues can be attributed to the economic downturn: drivers are reluctant to give up their vehicles, even though many find that they are now unable to afford the level of cover they once did and a significant number of drivers are willing to take the risk that they will not be caught. However, a new alliance between the police, the DVLA and the Motor Insurers Bureau could result in some of the worst offenders losing their vehicles as a result of failing to procure suitable insurance.
Those people who allow their insurance to lapse could face fines of up to £200 and the Motor Insurers' Bureau is reminding people that even though economic times are tough, it is simply not worth taking the risk of driving whilst uninsured, although approximately 1.7million people chose to take precisely that risk last year. Drivers can risk having their vehicles seized, in addition to having 6 penalty points added to their licence. At present, somewhere in the region of 500 uninsured vehicles are seized on a daily basis, with the number increasing each year. Drivers are thus being urged to take advantage of the fierce competition in the car insurance market. A little research soon reveals that there are a wide range of cheap car insurance quotes online, which should take some of the sting out of owning a car. A new offence of keeping an uninsured vehicle has now been added to existing legislation with the result that uninsured vehicle owners may be liable to a £100 fine even if the vehicle is not being used, unless they can provide solid reasons as to why this is the case. Anyone who keeps a vehicle on their own land can avoid prosecution if they send in a completed Statutory Off Road Notification (SORN) to the DVLA.
Although the new offence of keeping an uninsured vehicle is clearly targeted at persistent offenders who do not have car insurance, those who have legitimate reasons for keeping a vehicle off the road, even if purely trying to reduce family motoring costs, may find themselves falling foul of the law. It is well worth taking a look at the cheap car insurance quotes online to see whether simply taking out basic insurance is a viable option. At the very least, motorists need to be aware that the new legislation exists and should carry out further research if they suspect that they may be at risk. There is no doubt that the new measures are controversial, however the police are understandably determined to clamp down on uninsured drivers.
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© October 2009
