Tag: uninsured drivers

Police forces launch national week of action to stop uninsured drivers

  • 45 police forces launch Op Drive Insured on 15-21 November, in a national week of increased roads policing activity to seize uninsured vehicles and protect road users.
  • Every 20 minutes someone in the UK is injured by an uninsured or hit-and-run driver. Over 26,000 victims were supported by the Motor Insurers’ Bureau (MIB) in 2020.
  • Drivers can check their vehicle appears insured on police systems for free at www.askmid.com

On 15-21 November 2021, all 45 UK police forces will execute Op Drive Insured in a national effort to reduce uninsured driving levels and protect road users.

The week-long campaign which has been developed by the Motor Insurers’ Bureau (MIB) and NPCC’s National Roads Policing Operations, Intelligence and Investigations (NRPOII), will see an increase in roads policing activity to detect and seize uninsured vehicles.

MIB which is a not-for-profit organisation that compensates victims of uninsured and hit-and-run drivers, supported over 26,000 injured victims in 2020 – equating to one injury every 20 minutes.

In addition to causing more collisions, MIB records show uninsured drivers often commit wider road crime ranging from ‘hit and runs’, using a stolen vehicle and drink driving.

Ben Fletcher, Chief Customer Officer at MIB, said: “Put simply, uninsured motorists are very dangerous. They cause a worryingly high level of collisions and are frequently involved in wider crime.

“By using MIB’s Motor Insurance Database police can easily see if a vehicle appears to have no insurance and will take swift action to remove the threat. Op Drive Insured serves as an important reminder that no one is above the law and illegal motorists will be caught.”

Jo Shiner, Chief Constable at Sussex Police and NPCC Lead for Roads Policing, said: “Police officers take action against the users of uninsured vehicles every day, this national week of action really highlights how we work with all of our partners to take these vehicles off the road and prosecute offenders.

“We know those who are unwilling to insure their vehicles present more risk to other road users than those who do insure their vehicles. 

“We have sophisticated systems to help identify offenders and we will use all of our powers to take appropriate action against offenders and make our roads safer.”

Uninsured driving is a problem that exists across all corners of the UK, with the worst-affected areas found in Birmingham, Bradford, Manchester and Greater London.

MIB which is funded by insurers and ultimately their honest premium-paying customers, requires around £400 million each year to compensate victims and help them rebuild their lives.

Furthermore, using government figures on the average value of prevention, MIB estimates that collisions caused by uninsured and hit-and-run drivers could cost the economy nearly £2 billion a year in emergency services, medical care, loss of productivity and property damage.

During the week of action, Police Officers will access MIB’s Motor Insurance Database (MID) – a central record of live UK motor insurance policies – to see if motorists’ licence plates show their vehicle as insured.

If the validity of insurance is disputed by the driver, MIB will liaise in real-time with the insurer in question to confirm if the vehicle has valid insurance.

Uninsured drivers will likely have their vehicle seized (and potentially crushed), receive a £300 fixed penalty notice and six licence points. Furthermore, uninsured motorists could face court and receive an unlimited fine and/or a driving ban. A criminal record can also affect job prospects.

So far this year, over 100,000 uninsured drivers have had their vehicle seized.

Driving insured? Be confident with MIB’s quick guide

Do ✓Don’t ✖
Do check that your vehicle is appearing as insured on the Motor Insurance Database (MID) for free at www.askMID.comDon’t withhold key information when buying insurance to save money. This is fraud – the consequences are serious, and it will invalidate the insurance policy.  
Do only use your vehicle for the agreed purposes of its insurance cover. If unsure what your policy covers, speak to your insurer. Don’t buy car insurance on social media, or through an unfamiliar source. It’s probably a fake car insurance scam called Ghost Broking.
Do find out when your policy expires and if it auto-renews, so you can ensure it doesn’t run out without your knowledge.Don’t use a personal E-scooter on public roads and spaces. Only local authority-operated trial E-scooters are covered for third party use.

Almost 20,000 drivers caught without insurance in Scotland last year

  • Up from more than 14,000 in 2019
  • Over the last two years, Scottish drivers have collectively paid out a whopping £2 million to release their car after being seized by police forces.
  • More than 4,500 cars were destroyed by local police forces in 2019 and 2020, with a further 1,100 being auctioned, raising more than £500,000.
  • In total, offences increased by 16% across the UK between 2019 and 2020, with more than 101,000 drivers caught driving without insurance last year alone.
  • Further research finds a third (33%) of UK drivers have borrowed or driven another car without necessarily having the right insurance in place.
  • Can I drive someone else’s car on my insurance? Confused.com clears up confusion as one in seven (14%) drivers are unaware of the rules around driving other cars.

The number of uninsured drivers in Scotland has increased by 37%, new data finds, as local police forces report close to 20,000 offences during last year alone.

That’s according to new Freedom of Information data obtained by Confused.com, which showed that the number of motorists caught driving without the correct insurance in Scotland increased from 14,363 in 2019, to 19,726 in 2020.

This means those caught could have collectively paid more than £10 million in fines over the two years, based on the minimum penalty dished out to offenders being £300.

When a driver is caught without the right insurance, the police are within their rights to not only issue fines but also seize the car in question. Offenders would then need to show evidence of a valid car insurance policy to release the car and pay a fee.

In 2020, a total of 8,811 cars were seized across Scotland, up from 6,851 in the previous year. This could be from the number of cars seized after being stopped, or those found on the road without insurance. And collectively, a whopping £2 million was paid by drivers in the region to release their car, which could have been on top of the fines they’ve already paid, proving to be a very costly mistake to make!

Cars that aren’t reclaimed could be destroyed. In fact, over the last two years, more than 4,500 cars were destroyed by police in Scotland. Or alternatively, they could be sold off at an auction, which was the case for 1,161 of the cars seized in 2019 and 2020. This raised a very nice sum of £500,000, averaging at around £431 made per car.

It’s a similar picture across the rest of the UK, where 100,983 motorists were caught without insurance in 2020, up from 86,914 in 2019 (+16%).

Taking out car insurance is one of the first things drivers must do when they buy or lease a car. And as it stands, all insurance policies are set to automatically renew at the end of their terms so that a driver is never left without cover. So why are so many drivers being caught out?

Previous research by Confused.com shows that many people cancelled their car insurance throughout the coronavirus pandemic to save money, which could explain the increase in offences last year.

However, new research has found that a worrying one in three (33%) UK drivers have borrowed or driven another car without necessarily having the right insurance.

Of those drivers, more than half (52%) did so under the assumption that they would be covered, while close to one in six (16%) knew they didn’t have the right insurance in place. Almost two in three (64%) made the excuse that they were only making a short trip, while more than half (58%) took the gamble because the owner of the car was with them.

While it seems that many people are knowingly taking the risk by driving uninsured, the research also found that many drivers are confused about what their insurance policy allows them to do.

Nearly one in six (16%) UK drivers find it confusing to know if their policy allows them to drive other cars, while one in seven (14%) don’t know the requirements.

According to Confused.com’s experts, driving other cars (DOC) isn’t something that is automatically included on comprehensive policies, despite many believing that it is. In fact, not all insurers will offer it as an option. It’s simply there for emergencies, such as if a friend has had an accident and needs driving to the hospital.

But to have DOC on their policy there are a few requirements drivers must meet, including:

  • They must be aged 25 or over when the policy starts.
  • Their own car insurance policy needs to be a fully comprehensive one.
  • The other car must have insurance already.
  • More information is is available here.

Worryingly, many drivers are unaware of the rules around driving other cars. In fact, one in eight (12%) wrongly believe its true that you are automatically insured to drive another car if you have comprehensive policy at any age, while a further one in eight (13%) believe this to be the case if you have a comprehensive policy and are over the age of 25.

However, experts suggest that motorists can only drive another car if their policy explicitly specifies it, although this will only cover for third-party damage, or if they are a named driver on the owner’s policy, in which case they would be covered for the same level as the policy holder.

This seems to be a popular option for the two in three (68%) drivers who drive or have access to another car. Almost half (49%) of these drivers are insured as a named driver, while almost two in five (39%) are insured on their own comprehensive policy.

However, it seems that drivers who have access to another car aren’t necessarily using it regularly. In fact, only one in four (25%) will use the second car at least once a week, while one in five (21%) claim to use it very rarely. But this isn’t surprising, given that more than a fifth (22%) claim they only have access to another car to reduce the insurance premium.

In fact, Confused.com car insurance price index (Q2 2021) data does suggest that this can reduce prices for some drivers, with the average premium dropping by as much as £204 for having another person on the policy(3). However, for two in five (41%) drivers, they have the option of which car to use depending on the journey they make.

Despite so many motorists being insured to drive another car, a worrying one in two (54%) admit they would still jump behind the wheel of another car without insurance, with almost two in five (38%) claiming they would take the risk in an emergency. However, this is a point that many drivers raised throughout the research, with one in three (30%) believing that having DOC on an insurance policy is important for emergencies, while more than one in five (22%) thinking it should be standard on all comprehensive policies.

Either way, it’s important for drivers to understand that having a comprehensive policy doesn’t automatically entitle them to drive another vehicle, and that they could in fact be hit with a very hefty fine.

And when it comes to buying or renewing a car insurance policy, having a conviction for driving without insurance is likely to increase your premium, with some insurers potentially not offering cover at all.

If a driver needs to use another car, Confused.com’s guide to driving other cars explains how to check if this is included on an insurance policy, or search for alternatives to help motorists avoid fines.

Alex Kindred, car insurance expert at Confused.com, said: “Driving without insurance is an offence that can be costly in fines but can also damage your record when it comes to applying for a new car insurance policy.

“Not only this, but you could risk having to pay to have your car released, which when you consider the fine as well, could end up costing you more than an insurance policy itself!

“Insurers appreciate that there are some emergency situations where you may need to jump behind the wheel of a car you don’t own, which is why some offer driving other cars within their comprehensive policy. But being over 25 or having a comprehensive policy doesn’t automatically entitle you to this. This must be outlined in your policy, or you do risk the penalty.

“If you’re confused about whether you policy allows you to drive another car, we’ve outlined what policies tend to cover, and how you can add it to your policy in our guide to driving other cars. Though it’s important to remember that this will only cover for third party damage.”

270 caught during motor insurance sweep

Over 270 drivers were detected driving without insurance across Scotland as part of the national Operation Drive Insured campaign.

The campaign saw a week of enhanced enforcement action between 20 January and 26 January to detect and, where appropriate, seize uninsured drivers’ vehicles and tackle associated offences.

In 2019, over 7,000 uninsured vehicles were seized in Scotland. During January’s week of action, 271 uninsured vehicles were detected which resulted in 113 vehicles being seized. The 271 drivers who were detected without insurance were reported to the Procurator Fiscal /received a Fixed Penalty Notice with a £300 fine and six penalty points.

Head of Road Policing, Chief Superintendent Louise Blakelock, said: “Driving without insurance is not a victimless crime as law-abiding drivers are at risk of paying out if they are hit by an uninsured driver.

“Additionally, uninsured motorists are more likely to have links to wider crime and often drive under the influence of alcohol or drugs, posing an even greater risk to other road users.

“We will continue to take action against those who flout the law. If you have no valid insurance, you have no legal right to be on the road. I would ask the public to continue to report drivers so we can take action.”

Daren Courtenay, Motor Insurers` Bureau Police Support Officer for Scotland said: “MIB is committed to assisting the police in their continued effort of tackling uninsured driving.

“The fantastic results that Police Scotland achieved during their week of action demonstrates the need to continue this work. The vast majority of motorists are law-abiding and deserve to be protected from the increased risks posed by uninsured drivers.”