The Institute of Advanced Motorists (IAM) has obtained information from the DVLA under a Freedom of Information (FOI) request about the number of uninsured drivers which makes startling reading. Apparently, there have been 226,803 motorists that have received points on their driving licenses for not having any car insurance.
This was made up of 194,997 drivers with full licenses and 31,806 drivers with provisional licenses. That equates to 1 in 200 drivers. If you look at the 17 to 35 year age bracket that figure is even higher with 1 in 100 people without car insurance.
It is also more likely that a man will commit this offence with men being four times more likely to do so in the 17 to 24 year old age bracket. In the 25 to 35 year old age bracket 81,003 had penalty points for being un-insured. Those least likely were motorists over the age of 65 with 3,867 being un-insured.
The impact that these people have on the rest of us who do insure our cars is that our car insurance premiums are likely to be higher to make up for the lost revenue that car insurance companies receive. It is estimated that this increases our premiums by in the region of anything up to £30 per annum.
Did you know that if you were convicted of driving a car without insurance you could face having 6 points put on your driving license and if you were 18 years of age and paying say £950 per annum for your car insurance this could increase to as much as £2.195 per annum. It is even worse if you are 30 years of age as, if let’s say your premium had been £228 per annum, this could increase to as much as £4,621 per annum.
Is it worth driving your car around without car insurance? We would suggest that it is definitely not a sensible thing to do.