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UK Insurance:Cheaper to pay fine than motor insurance premiums

John Williams - Thursday 17.09.09, 16:15pm

Motorists who drive in the UK with no insurance are getting away with murder – quite literally, as evidence suggests that uninsured drivers are five times more likely to have an accident and are responsible for around 160 deaths on the road each year.

And yet when charged for ‘driving without insurance’,  under new government proposals, the accused can and probably will walk away with a paltry £50 fine, less than the fine dished out to somebody who may overfill their dustbin – as Direct Line’s Andy Goldby points out.

“The fact that the new proposed fine for driving uninsured is less than if you were to overfill your bin is alarming. The Government’s proposed Continuous Enforcement programme will catch more uninsured drivers, but if the fines are less than the average insurance premium then it’s not going to stop them from re-offending.”

With premiums for young drivers reaching ridiculous figures, many see the option of a fine and losing their vehicle as a reasonable option to buying insurance, while the rest of us continue to pay for their crime with higher premiums.

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