Make sure you’re covered before you hit the road. If not, there could be serious consequences.
As sad as it makes us to say it, no-one actually enjoys buying car insurance.
Spending hundreds of pounds on cover might be seen as an irritating expense on top of increasing fuel prices and repair bills.
According to the Confused.com Car Insurance Price Index, the average price paid for a comprehensive policy in Q2 2021 was £522.
But it’s vital to have this cover in place. Not only does it pay out if your car is stolen or you’re involved in an accident, it’s also a legal requirement.
Failing to have an adequate policy in place could result in fines, penalty points on your driving licence or seeing your car seized and destroyed.
Every 20 minutes, someone in the UK is injured by an uninsured or untraced ‘hit and run’ driver, according to the Motor Insurers’ Bureau. This equates to 26,000 injuries each year.
The MIB also says that evidence suggests uninsured vehicles are consistently used to conduct wider criminal activity – and are more likely to be involved in a collision.
Therefore, targeting uninsured drivers is seen as a way of deterring criminals and keeping our roads safer.
Here’s our guide to making sure you are properly protected.
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What’s the penalty for driving without insurance?
It’s illegal to drive a vehicle on the road or in public places without at least third-party car insurance in place. There are severe penalties when you get caught.
The police could give you a fixed penalty of £300 and six penalty points. If the case goes to court, however, you might get an unlimited fine and be disqualified from driving.
You should also bear in mind that the police have the power to seize – and, in some cases – destroy the vehicle that’s being driven uninsured.
During 2019, more than 137,000 vehicles were seized in the UK for not having insurance. London, Birmingham, Manchester and Bradford were among the worst affected areas.
Police have now seized more than two million cars since they were given the powers to take such action back in 2005.
Anna Fleming, chief operating officer at the MIB, said:
“The UK’s two millionth uninsured vehicle seizure is a significant milestone testament to the collaborative and determined work of the police, government authorities and industry to help make roads safer and fairer for all.”
Can I get caught without insurance if I’m not driving my car?
You don’t need to be behind the wheel to be caught without insurance. Uninsured cars are constantly being tracked by the Motor Insurer’s Bureau (MIB) and the DVLA.
Their joint ‘Continuous Insurance Enforcement’ compares records on the MIB’s and DVLA’s databases.
Registered keepers that don’t appear to be insured are sent an Insurance Advisory Letter (IAL) warning they’ll get a penalty unless they take immediate action.
Do I need to insure my car if it’s SORN?
You don’t need to insure your car if it’s kept off the road and declared as SORN (Statutory Off Road Notification) with the DVLA.
You can use the 11-digit number on your vehicle logbook (also known as the V5C) to immediately take the vehicle off the road.
Alternatively, you can use the 16-digit number on your vehicle tax reminder letter (known as V11) to take it off the road from the first day of next month.
You can only use this number once.
You can apply online at GOV.UK.
How do I know If I’m insured?
All you do is type in your registration number. A box then appears stating the name and model of your vehicle and whether valid cover is in place.
Even if you’re fairly confident that you’ve got cover in place, it’s still worth taking five minutes to double check.
Driving without insurance abroad
The European Commission announced in June this year (2021) that it was waiving the obligation to show the motor insurance Green Card for UK drivers when driving in the EU.
Therefore, your UK insurance should give you a minimum of third-party cover to drive your car in EU countries.
This means you don’t need to carry a Green Card when you drive:
- In the EU (including Ireland)
- Bosnia and Herzegovina
However, you still need valid car insurance and must check with your insurer that the policy covers factors such as theft or damage.
Some polices might automatically extend your full UK cover, up to a specified period while you’re abroad. Some others might allow this at an extra cost.
As ever, it’s important to check your policy terms and conditions. Speak to your insurer for clarification if anything is unclear.
According to the Association of British Insurers, if you drive abroad without insurance, then any penalties should be down to the individual country concerned.
These might include confiscation of your car, fines, and possibly jail time.
It’s also worth checking travel advice for the country you’re visiting.
Invalidating your policy could leave you without cover
There are plenty of ways to – even inadvertently – invalidate your car insurance, so it’s always worth double checking the wording of your policy.
For example, moving house could have an impact as it might alter your insurer’s assessment of risk, such as local crime rates.
Even temporary changes in location could make a difference. For example, if you take your car to university but still have it registered at your home address.
You should tell your insurance company about these changes. If you later make a claim and it turns out you hadn’t updated your policy, you could invalidate your cover.
Then there’s the thorny issue of so-called fronting. This is when a parent insures themselves as the main driver with the child named on the policy, in order to save money.
But if this isn’t true – and it’s the child who’s the main driver – your policy could be voided by the insurer and classed as fraud.
The changing use of your car might also affect cover provided. For example, if you’ve said you only use it for social driving but are then spending daily three-hour round trips going to work.
Then there are car modifications. Buying a standard Ford Fiesta but then equipping it with body kits, a huge exhaust and tuning the engine could make it an entirely different proposition.
There’s a simple rule: Always tell your insurer. It could impact your insurance costs, but it’s best to find out in advance and be honest.
Not telling the truth – either accidentally or deliberately, risks voiding your policy.
Ghost brokers and uninsured drivers
According to the Insurance Fraud Bureau, a not-for-profit company set up in 2006, ghost broker scams can work in a couple of different ways.
Sometimes policies are bought from legitimate insurance companies using false information and then doctored before being sold on to customers.
On other occasions, policy documents are designed to look like they’ve been issued by legitimate insurance companies and sold on as genuine to customers.
Am I insured to drive other cars on my policy?
Many people presume having a comprehensive policy means they’re covered to drive other cars, albeit with their permission.
In many cases this could be correct. However, you need to check. Some policies might not allow this. And if you get caught, points on your licence and a financial penalty could be heading your way.
Also, the vehicle’s owner could find themselves being prosecuted for allowing an uninsured driver to get behind the wheel.