Norm's right - it never ceases to amaze me that people cite affordability as an excuse not to buy insurance or tax.
There is absolutely never any excuse not to have either, if it genuinely is unaffordable then clearly having a car is also unaffordable.
Driving whilst uninsured should carry the same social stigma as driving whilst drunk.
Major Fortesque Fotherington-Smyth may be smidgeon over the drink drive limit following his one pink gin after golf and gets pulled over in his very well insured Jag, and he get a ban, quite rightly, even though he may still be perfectly capable of driving safely.
Meanwhile, scumbag Wayne-Sky gets nicked in his uninsured unmot'd untaxed chavved up Nova - which he will NEVER bother insuring, and gets a few points and �100 fine.
It is all wrong.
Get caught driving uninsured and you should;
1 - automatically lose your licence for a minimum of 12 months.
2 - be given a fine of at least �1000.
All the time a fine for uninsured driving is way way below the cost of an insurance policy there will always be scum bags who don't bother becuase there is no deterrent.