Non Insured Drivers

Every year, such drivers cost more than £500 million of damages, nobody likes to subsidise the faults of other people but still the figures remain ridiculously high, so high that people who are running cars on UK roads without any insurance have increased in number by approximately 20% in the last 2 years. The problem is that it is legal to own an uninsured car but illegal to drive it on the UK roads. It has to be kept in the garage until the prospective driver gets insurance, but people who own an uninsured car are most likely to drive it at one time or other, or at least when they are in a hurry. This situation is an annoyance for all those drivers who are insured since non insured drivers can cost for an additional £30 on their annual premiums.

One of the obvious reasons why people drive an uninsured car is because the car may be stolen or illegal. A number of such drivers are the ones who are not taxed too. The West Midlands Police conducted a study which showed that uninsured drivers are 10 times more likely to be convicted with other driving charges like driving while drunk. But the major suspects of such practices are young drivers. It has been noticed that most of the car accidents that involve uninsured drivers are often young drivers between the age group of 17-21 years. There is an illusion in the young drivers of UK that if they are caught driving without insurance, all they have to do is to pay a fine which is much less than an insurance premium. In order to fight with this delusion, the police have started threatening the uninsured drivers to crush their cars if they do not produce a legitimate insurance policy note.

The victims of car accidents in which non insured drivers hit their car have no recourse against such drivers. Therefore, if you are unfortunate enough to be collided by such a person, make sure to note the registration number and make and model of the car. Any possible eye-witnesses can also be able to support your claim, so also remember to take their contact details. If you happen to be carrying a camera or a mobile phone with camera, you should take some comprehensive photographs of the accident scene including the registration numbers of both the vehicles.  You can add loss-recovery plan to the insurance cover that you possess which will protect you against any uninsured losses, provide you discounted legal assistance, 24 hour helpline and a non-emergency medical treatment.