ChatterBank0 min ago
How Do Uninsured Drivers Get Away With It?
Last year my dad was at the junction of a roundabout and was hit from behind by a Land Rover and it turned out in the end that the driver was uninsured. My dad got £8000 in compensation but the other driver pretty much got away with it as the police didn’t seem like they could be bothered following it up. The other driver said he’d owned the car 5 years before this accident. How do drivers like him get away with driving an uninsured car for so many years?
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No best answer has yet been selected by Tom9348. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.Apparently around 4% of vehicles on UK roads are uninsured.
With the use of vehicle fitted ANPR systems linked to the insurance database, mobile police could easily catch uninsured drivers.
But imagine stopping every 1 in 20 cars and having to process the whole situation, including arranging having vehicle towed etc – much better for the police to sit in their patrol cars eating donuts.
With the use of vehicle fitted ANPR systems linked to the insurance database, mobile police could easily catch uninsured drivers.
But imagine stopping every 1 in 20 cars and having to process the whole situation, including arranging having vehicle towed etc – much better for the police to sit in their patrol cars eating donuts.
So basically someone can buy a car and drive round in it uninsured and chances are they’ll go undetected unless they’re in an accident that causes enough damage to warrant going through insurance, or if the police decide to do a random check on the car because they think the driver looks suspect, ie, a chav?
Tom, you'd quickly get caught if you did that. You wouldn't be able to tax the vehicle for a start, that is always a red flag. The car would show up as uninsured on every ANPR camera it passed.
There is approximately 1 million uninsured drivers in the UK - about 4% which is half of what it was 20 years ago. That doesn't mean there are 1 million uninsured cars on the road.
As I explained earlier, my car is insured - it won't raise any flags to either cameras or passing police so long as it is driven sensibly. Even if my next door neighbour is driving it and isn't insured to do so, or I am delivering take away food for the local chippy (I'm not insured for that).
That 4% figure doesn't really tell us much. Are those 4% driving uninsured every day for months or years, or just once? Are they counting the car thieves and joyriders? The parents who front the insurance for their 17 year who has just passed her test?
I'd like to know the stats behind the numbers
There is approximately 1 million uninsured drivers in the UK - about 4% which is half of what it was 20 years ago. That doesn't mean there are 1 million uninsured cars on the road.
As I explained earlier, my car is insured - it won't raise any flags to either cameras or passing police so long as it is driven sensibly. Even if my next door neighbour is driving it and isn't insured to do so, or I am delivering take away food for the local chippy (I'm not insured for that).
That 4% figure doesn't really tell us much. Are those 4% driving uninsured every day for months or years, or just once? Are they counting the car thieves and joyriders? The parents who front the insurance for their 17 year who has just passed her test?
I'd like to know the stats behind the numbers
Tom, maybe it was his wife's car and he thought he could drive on her comprehensive insurance policy. It used to be very common to insure a car for 'any driver/any car' which meant anyone with a relevant licence could drive the car and the insured could drive any car belonging to somebody else.
Maybe it was leased and he believed that insurance was included. Or it could be a company car that had clauses that he didn't adhere to.
Maybe it was leased and he believed that insurance was included. Or it could be a company car that had clauses that he didn't adhere to.
//Cars that are not insured are on a database and police car ANPR cameras pick them up, but the cars have to be caught.//
No they don't. All vehicles must be insured, whether they are driven or not. The DVLA regularly run checks of all vehicles registered but not declared off-road against those insured and they take action against those uninsured. This offence ("keeping" an uninsured vehicle) however, is non-endorseable and is dealt with by way of a fine or (more usually) a fixed penalty.
No they don't. All vehicles must be insured, whether they are driven or not. The DVLA regularly run checks of all vehicles registered but not declared off-road against those insured and they take action against those uninsured. This offence ("keeping" an uninsured vehicle) however, is non-endorseable and is dealt with by way of a fine or (more usually) a fixed penalty.
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