It is an offence for you or others to use your car without a level of car insurance that satisfies the Road Traffic Act whilst driving on the public highway. However, no such law applies whilst driving on private land.

The UK government introduced the original law back in 1930 which requires every person who uses a vehicle on the road to have at least third party vehicle insurance.

Third party only insurance is the lowest level car insurance cover available and is therefore often the most low cost. Third Party Insurance will only cover you for causing accidental damage to other people’s property and causing injury or death to other people. However, please keep in mind that this level of insurance will not cover the cost of any damage to your vehicle or your personal belongings in the event of any accident.

Some road users refuse to purchase car insurance as they think they can get away without adhering to this law. This is often because they think car insurance is far too expensive, or maybe they think because they are good drivers they don’t need insurance as they are not likely to have an accident or it could simply be because they have forgotten to renew their insurance policy.

Whatever their reason for driving without insurance, unfortunately it means these people are pushing up the cost of insurance premiums for the law abiding motorists amongst us.

According to the AA, uninsured drivers are responsible for around 160 deaths on the road every year and an additional 23,000 injuries.

Knowing these figures, you may be shocked to learn that the average fine for driving without the adequate level of insurance cover is just £200, even though judges in the UK have the power to impose a fine up to £5000.

Mr Douglas from the AA remarked, “We’re failing honest motorists by such lenient fines. In my view, it’s vital to get the message over to this motoring underclass and, importantly, to their friends and families, that driving without insurance is socially unacceptable.

“People need to be stopped before they get behind the wheel of an uninsured car and go on to risk killing or injuring others.”

Apparently the UK motorists are around the worst in Europe for driving without car insurance. Around one in twenty-five people are driving on public roads in the UK without insurance.

This statistic may reduce considerably if these people knew where to look for cheap car insurance.

Tags: Car, Driving, Illegal, Insurance, Mororists, Public Roads, UK

Similar Posts:

Share