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driving withouth insruance/mot/tax
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I'm beginning to wonder whether all these questions about driving without insurance/mot/tax are (1) genuine (2) just to get us going or (3) they really are p*r*a*t*s. What do you think?
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Well if you're really interested there's a report on uninsured driving that was done at Nottingham University for the Government Here:
http://www.nottingham.ac.uk/economics/news/uni nsured.pdf?pn_id=2004_0111
Not surprisingly most are young urban males just above the benefit system but 35% of all offences come from just 10 post code areas
The reasons are a mix of:
� Misperception regarding the purpose of third party liability: focus group work by ABI, DVO and RBS reported that it was not unusual tohear the claim from the habitually uninsured that it is not worth taking out insurance because the insurance costs more than the value of the vehicle, clearly signalling ignorance of the reasons why third party
cover is necessary.
� Misperception regarding the cost of insurance: focus group work also reveals considerable ignorance regarding the cost of motor insurance among the uninsured, that cost generally being exaggerated.
� Spending choices: a preference for spending what would otherwise be spent on insurance on other vehicle enhancements.
� Low perceived likelihood of being detected: a perception among those who regularly drive uninsured that they are highly unlikely to be detected.
� Low Perceived Penalties: a presumption on the part of the habituallyuninsured that, if detected, penalties will be modest.
� Remaining Outside the Law: an intentional avoidance of compliance in order to use a vehicle for other criminal activity.
But that's deliberate evasion - we also see a lot of "I didn't realise my insurance had run out" questions.
Maybe you should have to produce proof of insurance to buy fuel
http://www.nottingham.ac.uk/economics/news/uni nsured.pdf?pn_id=2004_0111
Not surprisingly most are young urban males just above the benefit system but 35% of all offences come from just 10 post code areas
The reasons are a mix of:
� Misperception regarding the purpose of third party liability: focus group work by ABI, DVO and RBS reported that it was not unusual tohear the claim from the habitually uninsured that it is not worth taking out insurance because the insurance costs more than the value of the vehicle, clearly signalling ignorance of the reasons why third party
cover is necessary.
� Misperception regarding the cost of insurance: focus group work also reveals considerable ignorance regarding the cost of motor insurance among the uninsured, that cost generally being exaggerated.
� Spending choices: a preference for spending what would otherwise be spent on insurance on other vehicle enhancements.
� Low perceived likelihood of being detected: a perception among those who regularly drive uninsured that they are highly unlikely to be detected.
� Low Perceived Penalties: a presumption on the part of the habituallyuninsured that, if detected, penalties will be modest.
� Remaining Outside the Law: an intentional avoidance of compliance in order to use a vehicle for other criminal activity.
But that's deliberate evasion - we also see a lot of "I didn't realise my insurance had run out" questions.
Maybe you should have to produce proof of insurance to buy fuel
I freely admit to 'accidentally forgetting' my last MoT date for several months, simply because I hadn't got the money to pay the test fee. (Some of us have times when we 'struggle by'. I've lived for a week on a packet of muesli and 2 pints of milk before now). I knew the penalties if I'd have been caught and decided to take the risk.
However, I wonder about how many of those people who ask questions like this are diligent about routine checks on their vehicles. I can honestly say that I check my tyre pressures, tread depth, oil, water, screen wash and all the bulbs at least once a week. (I check the bulbs at least two or three times a week). As soon as something is faulty, it gets put right.
So, Johnny37, are you sure that your car hasn't got a dead tail light?
Chris
However, I wonder about how many of those people who ask questions like this are diligent about routine checks on their vehicles. I can honestly say that I check my tyre pressures, tread depth, oil, water, screen wash and all the bulbs at least once a week. (I check the bulbs at least two or three times a week). As soon as something is faulty, it gets put right.
So, Johnny37, are you sure that your car hasn't got a dead tail light?
Chris
I work on mots so I know how easy it is to hav e a failed tail light without knowing it. What worries me, particularly with insurance, is that these people think it is optional. And they almost always get caught while committing some other sort of offence. I dont know what the answer is. Even confiscating the car is not a punishment when it is only worth �200. There was a recent BBC Car Wars prog where a woman was caught, the car confiscated, and within 15 minutes she was caught with another car. As regards these posts, when they so obviously know they are doing wrong I wonder if they are posting out of mischief.
We get postings from members on PCGB website now and then having duffed up their insurance in some way. People with �90k cars.
As to MOT forgetting.... I start planning mine 6 months in advance and save for a whole year to pay for it. Last years �700 this years �950. My fault for driving a 20 year old car.
On this site tho I would demand to see a NIP before believing a good portion on the scenarios presented. The sort which state the like of ' I was sitting on my bonnet smoking a spliff rolled in my out of date MOT when we hit a mini with 64 teenage mothers. The cops have arested my two year old son who was driving..... and so on and so on'
As to MOT forgetting.... I start planning mine 6 months in advance and save for a whole year to pay for it. Last years �700 this years �950. My fault for driving a 20 year old car.
On this site tho I would demand to see a NIP before believing a good portion on the scenarios presented. The sort which state the like of ' I was sitting on my bonnet smoking a spliff rolled in my out of date MOT when we hit a mini with 64 teenage mothers. The cops have arested my two year old son who was driving..... and so on and so on'
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