Gone in Seconds: MIB targets uninsured young drivers
The Motor Insurance Bureau (MIB) has taken steps to reverse the upswing in uninsured drivers. There's been a general downward trend since law changes in 2005 but cases rose by 20,000 between 2013 and 2014.
A third of those driving without insurance are under 25, so it's young drivers they're targeting. The feeling is that with insurance costs so high for young drivers, many are risking it rather than paying out for a valid policy.
The MIB's new campaign, Gone in Seconds, will launch soon in cinemas and on billboards. It's the bureau's first campaign in 3 years and highlights what young drivers stand to lose if they drive without insurance: "Don't lose your car, your friends, your freedom".
The trouble is, we already know - but a lot of people are ignoring it.
The major problems with uninsured driving
- It's illegal - pretty big one
- You're not covered for any damage or injury you cause - and the reparation for serious incidents can run into the millions
- You've got no backup if anything happens to your car, so you can look forward to big bills there too
What can happen if you get caught driving without insurance
- On-the-spot £300 fine
- Unlimited fine if prosecuted in court
- Possible disqualification from driving
- Possible seizure of the car
- 6-8 points on your licence
- Difficulty getting insured in the future
- Increase in insurance costs
With number plate recognition and speedy centralised databases for licence and insurance details, the reason for the growth in uninsured driving could simply be that the police are catching more people. Fact is, you're very unlikely to get away with it.
And it's not just driving without insurance that's the problem - driving with invalid insurance amounts to the same thing. If you give false details to your insurer, your policy could be invalid and that's the same deal as driving with no policy at all.
It's not the only way
Those first few quotes you get can be scary but there are ways to get more affordable car insurance - and the policy you actually need. With a black box like ours, you can earn serious discounts on your insurance just by showing you drive well.
Sure, it'll still cost you a bit for your first year or so on the road - but taking the risk and driving uninsured could cost you a LOT more.