Driving Without Car Insurance: What Will Happen?

It’s illegal to drive without car insurance, so if you decide to do this and are caught, you could face a conviction.

According to Motor Insurance Bureau (MIB) 2.8% of UK motorists risk driving without insurance, which doesn’t sound like much, but this equates to approximately one million drivers. On average, this costs UK motorists £400 million a year in pay outs for accidents.

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What are the penalties for having no car insurance?

Car insurance premiums are getting higher and higher; particularly for young and inexperienced motorists, as well as those who like their flash expensive cars. However, the penalties if you don’t have insurance are so severe it could end up costing you even more money, as well as adding points to your driving licence.

The minimum penalties for driving without insurance that you could face include:

  1. A fixed penalty fine of £300
  2. Six penalty points on your licence

On top of that you could be convicted with:

  1. An unlimited fine if the case goes to court
  2. Be disqualified from driving
  3. Your vehicle seized or destroyed by the police

Also, if you’re involved in a serious collision causing a death, your sentence could be even harsher.

If your car is sat on the driveway or in a garage and you’re not actually driving it, you may think you don’t need car insurance and you’re only breaking the law if you take the car onto the road. Unfortunately, this isn’t the case. Unless you have made a Statutory Off Road Notification (SORN) with the DVLA you still need to insure your car. The only exceptions are for those whose cars have been off-road since before the SORN was introduced on the 31st January 1998, or if your car has been stolen, sold, scrapped or permanently exported. Everyone else must insure their car – without exception!

Why do you need car insurance?

Car insurance is a legal requirement for all motorists to protect your liability against other drivers if an accident occurs.

Car insurance has been a legal requirement for all motorists since 1988 as stated in the Road Traffic Act, but why do we need it?

Accidents happen whether it’s your fault or not and it can be very expensive to cover all expenses without insurance. Car insurance is there to protect your liability against other drivers due to the chance of a collision. It covers the expenses depending on which policy you take out, including vehicle damage to your own car and others, and injuries to yourself, other drivers or passengers and pedestrians.

How to get cheaper car insurance

Car insurance often isn’t cheap but there are many things that can increase your car insurance quote including the value of the car. The more expensive the car, the more expensive the premium can be. This is something to consider when buying a vehicle. But, there are ways to lower your car insurance.


Sole driver

If the insurers feel like your car is safe and you have minimised the chance of break-ins, your car being stolen and accidental damage, then they could be more willing to lower your premium. Adding a couple of safety features, like an alarm or immobiliser, and parking on a driveway rather than the road, can increase your chance of a cheaper car insurance quote.


Increase your voluntary excess

You may not want to pay more towards expenses if a collision occurs, but if you opt for increasing your voluntary excess then you could get a lower insurance premium. If insurers are likely to have to pay out less, then they will charge less. Simple.


Type of cover

If you’re looking for cheaper car insurance and can’t afford the full comprehensive cover, then there are different types of policies to consider.

Third party cover only: This is the most basic policy that only covers claims from others. It protects the expense of damage to their vehicle and their injuries, but doesn’t pay out for any damage to your own vehicle, including break-ins or any injuries to yourself.

Third party, fire and theft cover: This car insurance policy covers the above, as well as claims from yourself regarding accidental fire damage and if your vehicle has been stolen. This policy still doesn’t cover the expense of damage to your vehicle if you are at fault in a collision.

Comprehensive cover: Provides the same cover as the previous two policies, as well as cover for your own car and any injuries you suffer even if the collision was your fault. However, don’t always presume comprehensive cover is going to be the most expensive. Shop around and see what other insurers are offering, there’s bound to be a deal out there that works for you.

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