You are here: Home - Insurance - News -

Motor premiums soar due to uninsured

Written by:

Uninsured drivers cost British motorists £500m a year, but the average fine imposed for this offence is a mere £185, according to Direct Line.  

The insurer has called for an urgent review of penalties for uninsured drivers as average fines have fallen from £224 to £185 over the last decade. However, uninsured drivers add around £30 to insured drivers’ premiums, amounting to a total financial burden of £500m.

Despite the fact that accidents involving uninsured drivers kill around 200 road users every year, Direct Line has pointed out that the £185 average fine is in stark contrast to the maximum penalty for other acts such as failure to pay your TV license fee (£1,000), smoking in a smoke-free place (£200), conviction for graffiti (£5,000), fare evasion on a London buses (£1,000) or overfilling your bin (£110).

According to Direct Line, almost a fifth of uninsured drivers are under the age of 20. Uninsured drivers are 10 times more likely to have a drink driving conviction, six times more likely to be driving an unsafe vehicle and four times more likely than other drivers to have a driving without due care and attention conviction.

Maggie Game, head of car insurance at Direct Line, said: “With uninsured drivers costing British society around £500 million each year, the severity of penalties must act as a deterrent to those considering driving without insurance.

“Uninsured drivers cause accidents which kill around 200 people each year and seriously injure hundreds more. The fact that the average penalty for driving uninsured is less than a quarter of the potential fine for not owning a TV licence is alarming.

“As the credit crunch tightens household budgets, the last thing drivers need is the prospect of losing their No Claims Discount and a whopping excess if they are hit by an uninsured driver.”

Related Posts


Tag Box

There are 0 Comment(s)

If you wish to comment without signing in, click your cursor in the top box and tick the 'Sign in as a guest' box at the bottom.

ISAs: your back-to-basics guide for 2018/19

Here’s everything you need to know to make the most of your unused ISA allowance ahead of the 5 April deadli...

A guide to Sharia savings accounts

A number of Sharia savings products have upped their game in recent months, beating more familiar competitors ...

Five ways to get on the property ladder without the Bank of Mum and Dad

A report suggests the Bank of Mum and Dad is running low on funds. Fortunately, there are other options for st...

What will happen if rates change

How your finances will be impacted by a rise in interest rates.

Regular Savings Calculator

Small regular contributions can build up nicely over time.

Online Savings Calculator

Work out how your online savings can build over time.

Having a baby and your finances: seven top tips

We’re guessing the Duchess of Cambridge won’t be fretting about maternity pay or whether she’ll still be...

Protecting family wealth: 10 tips for cutting inheritance tax

Inheritance tax - sometimes known as 'death tax' - can cause even more heartache for bereaved families. But th...

Travel insurance: Five tips to ensure a successful claim

Ahead of your summer holiday, it’s important to make sure you have the right level of travel cover or you co...

Money Tips of the Week

Read previous post:
Brits feel pressure as crunch continues

Almost 29 million people feel more stressed, less fit and healthy and more prone to illness now than they did...