Driving with no insurance is as anti-social and as serious as driving whilst under the influence, and until sentences acknowledge this, it makes financial sense for those that that are prepared to run the risk not to buy insurance.
In their little minds, what's the point in paying, say, £400 for insurance when a fine is just £200.
The consequences of driving uninsured need to be severe - an automatic crushing of their vehicle, a fine of thousands and a lengthy ban.
Uninsured drivers add £30 to everybody's motor insurance premium.
Basically, anybody who drives uninsured is a scumbag.
andy-hughes, statistics prove youngsters are a greater risk than the more mature driver and therefore they have to contribute more to the common pool. The motor insurance industry, as a whole, hasn't made a profit in more than 10 years - in the past they could rely on the investment they earned form the premiums collected, but this is difficult at the moment, and in fact the last actuarial report I read suggested premiums need to increase by approximately 30% to cover increasing awards, ambulance chasing costs and so on and so forth.
Insurance Companies are there to make a profit - they are not charities.