Young and driving without insurance.

[rov1100]

A 19 year old girl just past her test finds insurance quotes in excess of £2000pa and that is only for 3rd party. What are the odds of getting caught and what is the usual fine for doing so?

[sandyRoe]

I was watching one of those police shows and it seems they have a database of insured cars. If that's true then her chances of getting caught are fairly high.

[rov1100]

But there are over 1,000,000 uninsured drivers out there!

[sara3]

she'll get picked up with an ANPR camera.

I know it's steep but it's a fact that young drivers have the most accidents, and the uninsured send insurance rocketing for the rest of us.

[sandyRoe]

Then the police must have been telling porkies.

[gsr600]

Usual fine was £200 or there abouts, but whether that has changed yet i do not know,
as for getting caught - its a bit like using a mobile phone - Not often enough.

Fully comp is normally a little higher in premiums but you are covered for a lot more so may be beneficial.
glad i'm not under 20years old.

[ABerrant]

http://www.admiral.co...red-'one-step-closer'

[rov1100]

///Usual fine was £200///

Isn't this the problem,,, if the fine is 1/10th of the cost of insurance the reason why there are so many willing to take the risk?

[New Judge]

An additional consideration for the young lady is that if caught she will receive a minimum of six penalty points and under the “New Drivers” regulations she will revert to provisional licence status and have to re-take her test (both parts). Following this offence the requested premium will rocket even higher and if caught without insurance again she will face disqualification.

[hc4361]

What are the odds of her being able to pay compensation to some poor victim she leaves in a wheelchair?
What sort of car is she driving?
She should get a low cc car in a low insurance group.

[The-HouseHusband]

Dont for get the fact that if caught driving uninsured that the car will be seized and impounded, adding initial costs of around £150 plus a daily storage charge, if it isnt claimed in a certain time and the fees paid then the vehicle will be crushed.

[flip_flop]

All the time the fine is comparatively low people will run the risk of driving uninsured - if they don't get caught, and there's a strong possibility they won't, it will save them money.

For those that are caught make the fine a minimum of £1,000 together with a lengthy ban and seize and then sell the car with the proceeds from the sale being fed to the coffers of the MIB.

Advertise these punishments heavilly so that they become common knowledge.

The victims of uninsured drivers are compensated by the MIB. The MIB is paid for by insurance companies who provide motor insurance and they, obviously, pass the cost on to those of us who do buy insurance.

[ummmm]

I know someone who got caught without insurance (before the new driver scheme) she got £500 fine and 6 points. If she thinks insurance is high now....just wait and see what it'll be if she gets points.....it will, at the very least, double!

[ChuckFickens]

Not to mention that if they have an accident with no insurance the other party could try and get the cost back direct from her.

19years old and an outstanding debt for several 10's of thousands of pounds (or more) isn't a good way to start an adult life.

[ummmm]

And if she does have an accident it will be 10's of 1000's of £££££....

[cathfromsaron]

really high and you are an accessory, so don't let her xx

[R1Geezer]

don't even think about it, get a group 1 car and get insured.

[rov1100]

Well put Flip flop! We all know the risks and there are over 1,000,000+ uninsured drivers out there and they obviously think the risk is worth taking.

Maybe young drivers should have subsidised insurance as they cant all be bad drivers and they must be paying for the erratic ones out there.

[hc4361]

FlipFlop - compensation to injured innocent people is capped and is MUCH MUCH lower than the compensation they would get from a driver's insurance policy.

[TWR]

The insurance system should be Graded, 18 >>> 25, 25>>>>>35, & so on, why the hell should we, the persons that have had not accidents whatsoever pay an increase for these so called tear arsers that think they can drive? if they have a bump hard sht, they will learn, if they cannot afford the insurance as any one, then caught without, 12 month ban simple, Ok you do goodies, give us the hard luck stories, as you usually do.