Registered Owners Face Fines for Uninsured Cars

The Ministry of Transport is expected to make sweeping new changes today that could see the end to uninsured driving. Changes to the Road Traffic Act of 1988 are to be announced that will see it become an offence to own an uninsured car. The offence of being the registered keeper of a vehicle with no insurance will become Section 144A of the Road Traffic Act 1988.

Here's how they intend to implement it....

The DLVA will compare all registered vehicles against the Motor Insurers Database and anyone who appears to not have insurance will receive a reminder followed by a fixed penalty notice of up to GBP1000 if they fail to obtain insurance. The Statement of Off Road Notice, SORN, which is currently completed by 1.7 million UK car owners every year who state that their car is off the road, will be amended to include insurance details.

Car insurance blog welcomes any changes to convict uninsured drivers who kill over 150 people in the UK every year and costs the public millions in higher car insurance premiums, however we have concerns about the quality of data held by the insurance companies.
Of particular concern is how the new regulations will deal with people whose cars are taxed but insurance may have lapsed due to long periods outside the UK or a stay in hospital, for example.

Car Insurance and Cheap Car Insurance

Uninsured Drivers Cost Car Insurance Policyholders Dear!

Are you paying too much for your car insurance?

Are you fed up with the prices that you are being quoted - wherever you go?

It is more than likely that you will not be able to find cheap car insurance anywhere - because of where you live. All motor insurance rates are largely determined by the risks associated with the Postcode of the premises at which the car is kept overnight. If you live in a high risk postcode area there is little you can do to reduce your premiums short of moving!

One of the factors that affects the postcode rating table is the number of uninsured illegal drivers in your area.
The Motor Insurance Database (MID) which was founded in 2001, keeps records of all the uninsured drivers that have been caught by the Police.
The MID has recently reported that police seized over a hundred and fifty thousand cars last year which were being driven without insurance, and over forty percent of these were destined for the crusher!

So who are the bad boys who are costing us all more in insurance premiums, but particularly if you live in the following postcode sectors?

Well, the UK's worst is Bradford with proportionally more offenders than anywhere else in the UK. BD3 or Barkerend Bradford is the worst offending postcode, a poor area with high levels of asian immigration. Police have suggested that the problem is actually worse there than has been suggested but it is sometimes difficult to catch all the criminals as many drive using their relatives legal details. BD8 Whitefield and BD9 Frizinghil and Heaton are also at the top of the list.

Following close behing Bradford are certain postcodes in the West Midlands in particular B21 Handsworth, B20 Small Heath and B8 Saltley.

Be particularly careful if you have to drive in any of these postcode areas because if you are hit by an uninsured driver, chances are you may have a torrid time seeking compensation and justice!

Car Insurance blogger supports the moves for much tougher remedies including longer prison sentences for those who flout the law by driving uninsured.
Not only are these people putting us all in serious danger, they are costing this country a fortune.
An estimated 20 million pounds per year is paid into the Motor Insurers fund by the car insurance companies to cover some of the costs of claims against uninsured drivers.
This is being added to all of our car insurance premiums!

The weak British Judiciary and Magistrates need to tackle this problem head on and hand out exemplary custodial sentences for those found driving without insurance! Often the fines are less than the car insurance premiums!

A GBP 150 fine and a six month ban is really taking the piss out of the majority of us who scrimp and save to find the car insurance premiums every year!

Wake up you old fart Judges and get a sense of perspective!