Driving without car insurance: what are the consequences?

It is a legal requirement to possess car insurance when driving on a public carriageway. This means that theoretically one can drive without insurance in a place to which there is no public access. Car insurance is available in the following three options: comprehensive, third-party and third-party fire and theft. Comprehensive insurance covers damage to your vehicle, as well as to that of the other party. Third-party insurance covers damage to the other party involved in a road traffic collision. While third-party fire and theft insurance is similar to third-party insurance, except that it covers the owner’s vehicle in the event of fire damage or theft. The law of the land states that a driver must be in possession of third-party insurance, as a minimum, when driving a vehicle in a public access area.

The immediate consequences of driving without any form of vehicle insurance are a fixed penalty fine of £300 and six penalty points against the driver’s license. The police are allowed by law to seize the vehicle, even in the event it is not owned by the person driving it, and the power to destroy it. Courts have greater jurisdiction than the police, depending on the severity of the instance in which a vehicle was being driven without insurance, such as driving a heavy goods vehicle without insurance or driving with neither a driving license nor insurance. Courts can deliver an unlimited fine and even disqualify you from driving. The expenses of driving without insurance are not easily shaken off. The court may consider you liable for paying court costs and you are most likely to receive higher premiums from insurers when you seek a return to the roads.

Car Insurance: Our Guide to Reducing Your Premiums

When it comes to your vehicle insurance there are many considerations that must be made, with an almost equal number of options to choose from. In today’s feature, we will offer you a number of simple tips and tricks and important considerations to make when you are purchasing your car insurance, or your existing policy is up for renewal. In times as unscrupulous as ours, where claim culture costs insurance companies millions annually, you may not see much room for manoeuvre on premium prices. Our simple suggestions will provide you with some hope.

It goes without saying that shopping around is a must! With numerous comparison websites granted special discounts by providers, they are an obvious first step. Save your details with them and they will even contact you with regularly updated offers. Remember, some providers don’t appear on these websites, such as Direct Line and Aviva. Apart from shopping around, haggling also works. Contact your insurance company and haggle with them hard. If you don’t ask, you don’t get, simple. If there is more than one vehicle in your home, consider a multi-car option with Admiral. Admiral also offer a no-claims bonus accelerator, particularly useful for new drivers who don’t have a no-claims discount to start with. When it comes to new drivers, be careful of adding them to your policy as your premiums will increase unavoidably. Also, if there are people on your policy who rarely use the vehicle, remove them from your policy. It is now very easy to get cover for limited periods of time, by keeping them on the policy you will be paying without good reason to.

While the above points relate to specific circumstances and may not necessarily reduce your premium, the following tips definitely will do so: 1) fit a Thatcham-approved alarm, immobiliser or vehicle tracker, 2) increase your voluntary excess, 3) consider a telematics policy and 4) consider an approved advanced driving course (such as RoSPA or Pass Plus).