It’s common knowledge that taking out insurance is a vital part of driving, yet many people still choose to ignore the law by driving without insurance. According to statistics obtained from Auto Express, a shocking 10,000 newly qualified drivers are banned each year for driving without vehicle insurance.
Having no car insurance is in fact the number one reason for drivers being banned from the road in their first two years of holding a licence – that’s ahead of speeding, failure to give proper identification and poor vehicle control, which includes using a mobile phone at the wheel.
Fronting is when high-risk motorists, such as young or new drivers, avoid high premiums by appearing as a named driver, rather than the main driver on someone else’s policy, often their parents’ policies. This accounts for many uninsured driver numbers and is not accepted by insurance companies. Anyone found to be doing so will not be covered if they need to make a claim.
What to expect if you drive whilst banned
If caught, uninsured drivers will get banned from driving. But many may be unaware of the serious consequences that driving when banned brings.
The Automatic Vehicle Registration Recognition System which is fitted to most police cars, makes it simple for them to scan your registration plate and, via the DVLA database, to find out immediately if your are taxed, insured, if you have an MOT and if you are the owner of the car. If you have been banned or disqualified from driving, the Recognition System will also identify you. It doesn’t matter how carefully you drive either, the police will stop your vehicle if it is found that you are illegally driving whilst banned, or if your papers are not in order.
A drop in uninsured driver numbers
The good news is that since 2005, the number of uninsured drivers has been on the decrease, according to the Motor Insurers’ Bureau (MIB). A massive one in five drivers between the ages of 17 and 20 went uninsured, compared with one in 17 nowadays.
In its quest to keep the roads safer, the Association of British Insurers is pushing for longer driver learning periods plus stricter restrictions for newly qualified drivers, including limits on the number of passengers they transport.