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Why Uninsured Drivers Are On The Rise

If you aren’t bothered about insuring your car, there’s no way you’re going to take it for its annual MOT check.

As humans we’re naturally forgetful. Yes, you may get a letter through the post telling you something has to be done by a certain date. More often than not, it gets left on the side and buried under a myriad of other ‘to do’s’. Life’s busy enough as it is.

In the same vein uninsured drivers are on the rise. Whether it’s down to negligence, ignorance or just flouting the law. In July last year the Police seized the 1.5 millionth uninsured car in the UK. According to the Motor Insurers’ Bureau seizures rose by a huge 19.83% in 2016. To put that into context, the previous year on year stats saw a rise of just 4%.

The most probable cause of this is a 16% increase in premiums over the last 12 months. Confused.com have helpfully kept a price index since 2006. This year you’re average driver will be paying £847 for their insurance, an increase of £110 from 2016.

We’re nearly seeing prices above the peak in 2011 of £858. With rises set to continue, experts are warning of the average cost creeping over the £1,000 mark as soon as next year.

That’s not the only angle though. Everyone used to get a nice little circular disk that you placed in your window, allowing your car to use the roads. Since October 1st 2015 everything has gone digital. It’s a money-saving scheme to ditch paperwork on the government’s side. 

Often it was a physical reminder that you needed to spend money and book appointments at garages to continue to use your car on the public highway. Normally people would tie in their tax, MOT and insurance to be close together, so it was all done and dusted in the same month. In just two years clamping for non-payment of road tax has risen by 80%, to around 9,000 cars a month.

It’s easy to sign up for online reminder services for your car tax. Now that there’s no paper ‘poke in the side’ being delivered through your door, it seems an ever growing percentage are simply forgetting this legal requirement. 

Tax flouters are meant to be caught through ANPR cameras, but cars are slipping through the net with up to 1.2 million plates being misread per day according to The Telegraph. This leads to lost revenue for the government, not to mention the cost of DVLA ANPR vans and third party clamping firms that are being hired to do the dirty work.

It gets worse. The number of uninsured drivers being caught with no MOT is also on the up. If you aren’t bothered about insuring your car, there’s no way you’re going to take it for its annual MOT check. Thanks to the advent of social media, Police forces up and down the country have been shaming these motorists to the world. Time and time again the story is the same, no insurance, no tax and no MOT.

The only way you can get away with all three, is by registering your car as SORN and parking it off the public highway before hanging up the keys.

It seems the government and the DVLA are burying their heads a little on the situation. Tougher regulation on insurance premiums and personal injury claims is needed, along with some sort of mandatory online MOT reminder service that ties itself in with road tax. Maybe joining the two together, no MOT, no tax renewal.

Alternatively, the insurance industry needs to change. Tying in MOT, tax and insurance all in one. If you don’t have tax and an MOT you can’t insure the car. Granted that would create a separate issue for SORN and stored cars, possibly a ‘static’ policy needs to be devised.

Until then uninsured drivers will keep costing us all an extra £30 a year, the number of villains we unknowingly share our roads with will increase…along with everyone’s premiums to compensate.

Don’t risk it,  Regit

The reason is simple. It is cheaper to get prosecuted and fined than to pay tax insurance and mot. Just watch the TV police programs - it's a joke!

Again just sheer stupidity at the government/DVLA level. MOT/Insurance/Road tax should be on a central government register and that sends out the reminders either by email that you have to confirm receipt of or by post. (you pay an extra £2 on your road tax for the post service). Of course all the data to do this is available! So simple but yet impossible due to the plonks called civil servants and politicians.

The simple explanation for why there are more uninsured drivers on the road is because it is cheaper to have your car seized & pay a fine than to buy insurance. What everyone seems to forget is that insurance started out as a protection racket. Now it is going back to being a racket with extortionate prices. There does'nt seem to be any kind of fair & just regulation. All insurance companies are botherd about is 'new' business & figures. I was told this by an ex insurance broker. Nowdays nobody cares that any accident you were involved in was NOT your fault. It is all an excuse to bump up your premiums & line the board of directors pockets. I had an accident in 2013 where somebody hit my 'parked unattended' car. Luckily a passer by saw this and got all the details. My insurance claimed off his insurance, so they had nothing to pay out. But when my renewal came, my premiums went up because of a 'not at fault' accident. The simple way to prove this scam by insurers is to use a comparison site & put in a ficticious 'not at fault' accident, then do the same search but with no accidents. I guarantee the premiums will be different.

With tax, insurance and mot being digital, the government's policy was that motorists who didn't have any would be identified by cameras. Works well doesn't it!.

First there is NO ROAD TAX! There is V.E D. The current problem was entirely predictable. Outside towns, nobody except the Police can tell if a vehicle is taxed, as there is no longer a tax disc. Previously, an expired tax disc was evidence to everyone that the vehicle was illegal. This could be reported by anyone. Now a vehicle left outside my property might be fully legal, or it might be dumped. I just can't tell.

Actually anyone can check on line for both valid tax and valid MOT. You can also check insurance but it's supposed to be reserved for an instance when you really need to know, after an accident for instance. https://vehicleenquiry.service.gov.uk/ViewVehicle https://www.check-mot.service.gov.uk/ https://ownvehicle.askmid.com/

I can understand to some extent why younger drivers are not insuring their cars. My son has just paid £2000-00 to insure his car and the car is only worth about £300-00

Firstly Road Tax or VED, the simple way to make sure that everyone pays is to abolish Road Tax altogether and put the tax on fuel then everyone pays so the more you use the roads the more you pay, Secondly MOT and Insurance simple way in January every car owner takes there vehicle to an appointed place and pays for the same re number but on a different coloured plate which are then put back on the car and come February 1st any car without these plates is impounded and the owner fined. Could this work?

police need to sit outside the dids caravan camps, they would clean up when it comes to uninsured / untaxed vehicles, but then some bright spark would wave the race card, so the low life dids get away with it while the rest of us get the book thrown at us for forgetting to put our seat belt on or doing 35 in a 30, stinks!!

Thanks Stephen. I didn't know that. I suspect many others didn't know either.

I have 20yrs no claims and a van drove into me, guess who had to get his own vehicle fixed because the bastard didn't admit fault. Why am i throwing money away being insured if i have to fix my own car. To make things even worse i lose some of my no claims points. How many of you know the government put a levy on those paying their insurance by monthly direct debit. We are not piggy banks something does and must change BUT it's time to stop screwing drivers for every penny they can get.

If there is a car parked outside your home then they are not insured and nor is your car as you tell the insurance company your car is parked outside your home. Just something you may need to be aware of if anything happens to your vehicle.

Thank you for letting us know. I think i will be checking if the van driver is insured who drove into me.