There is no excuse for driving uninsured

According to Churchill Car Insurance, motorists seem to believe that they can “talk their way out of being prosecuted for driving uninsured” with various excuses, but officers have heard it all before.

They also stated that officers claim that the main 3 excuses that people give for driving uninsured are, firstly - claiming that they did not know that they didn’t have insurance (38%). Secondly, that they were bad at organising the renewal of their policy (33%). And thirdly, officers believed that in 13% of cases the drivers had intentionally driven without insurance.

All though that some excuses for driving uninsured are laughable, it’s a very serious crime and has grave consequences which include the following (

  • The police could give you a fixed penalty of £300 and 6 penalty points. 

And if the case goes to court you could get: 

  • An unlimited fine 
  • Disqualified from driving 

The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.

Here are some examples of the excuses that police officers often receive according to Churchill and the Bournemouth Echo:

  • “The car drives perfectly well without it”
  • “I know I haven’t got car insurance, I haven’t got a job” 
  • "I've been meaning to sort the insurance out, can I do it now?" 
  • "I haven't been paying the insurance, why have they stopped it?" 

Here are some tips to make sure that you aren’t breaking the law:

  • Ensure that you know what your cover does and does not include  
  • Make sure that you know when you need to renew your policy, Tarian can send you a renewal letter weeks before it’s due 
  • If you’re going abroad with your vehicle, make sure that you are covered and check the regulations for any country that you intend to drive in. 

For reliable motor insurance, contact Tarian.