Direct Line Car Insurance analysed data from the Motor Insurers’ Bureau (MIB) and identified the hotspots across the UK where uninsured motorists have been involved in accidents.

Of the 10 constituencies with the highest rate of vehicle collisions involving an uninsured party, four were located in the West Midlands: Birmingham Ladywood, Birmingham Hodge Hill, Birmingham Perry Barr and Birmingham Hall Green.

Three were based in the North West – Bolton South East, Manchester Gorton, as well as Blackley and Broughton – and two were in Yorkshire (Bradford West and Bradford East). The final constituency was Edmonton in London.

Out of these constituencies, Bradford West was home to the highest number of insurance claims involving uninsured drivers, which was double the national average.

What’s more, research produced by Direct Line and the Parliamentary Advisory Council for Transport Safety showed the proportion of collisions involving uninsured drivers in Bradford West is rising faster than the national average.

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Overall, there are 35 constituencies across the UK which reported a higher than average proportion of collisions caused by residents without car insurance. Close to 16% constituencies in the North West reported an above-average number of road traffic incidents involving uninsured drivers, while this figure stood at 15% of the West Midlands’ 59 constituencies. In London, one in eight collisions (12%) involved an uninsured party.

What to do you if an uninsured driver hits you

Steve Barrett, head of car insurance at Direct Line, commented: “When people are unfortunate enough to be in collision with an uninsured driver they could suffer severe injury or financial loss and either scenario could turn their world upside down.

“It’s important to contact the police as soon as possible in this situation to help towards reducing the number of uninsured drivers on Britain’s roads, plus by contacting the police drivers may avoid paying an excess.” 

Nick Robbins, chief public affairs officer at the MIB, added: “We estimate there are one million uninsured drivers on our roads that kill and injure thousands of people every year. We want drivers to consider how they’d feel if it was their parent, child or sibling whose life has been significantly changed because of someone’s reckless decision to get behind the wheel of a car without insurance.”