New research by MoneySupermarket.com has found that UK motorists have admitted to driving knowingly without being insured.
It is a legal requirement that a motorist must be insured to drive their vehicle before getting behind the wheel. As it stands, if a motorist is found to be driving an uninsured vehicle they could face a fine of up to £5,000, receive six to eight penalty points and they could also face a driving ban.
The research found that motorists admitted to knowing they had no insurance but chose to drove anyway and also admitted to borrowing someone else’s car without being insured to drive it. It was found that 26% blamed being in between insurance policies, 14% said they were unaware that they needed insurance, 12% couldn’t afford the insurance and 7% believed there was no point having insurance as they didn’t think they would have a crash.
It was also highlighted that younger drivers take the biggest risk with 30% of 18 – 34 year olds admitted to driving an uninsured vehicle compared to just 5% of over 55’s.
Gender also showed a difference with 19% of male drivers revealing they drove without insurance compared to 10% of women.
Peter Harrison, car insurance expert at MoneySupermarket, commented on the latest research: “It's astonishing how many drivers are still prepared to hit the road without insurance. Not only is it illegal but you could face thousands of pounds in liability, a conviction, six points on your licence and a hefty fine should you be caught out or be involved in a crash.
“To make matters worse, uninsured drivers cost the insurance industry £500m each year, which as a result adds an average of £30 to every motorist's premium.”
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By Amanda Bainbridge