The roads where 30% of drivers do not have insurance... and they're costing you £30 on your premium

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The roads where 30% of drivers do not have insurance... and they're costing you £30 on your premium.
The roads where 30% of drivers do not have insurance... and they're costing you £30 on your premium

Almost a third of motorists are driving without insurance in some parts of Britain, a report reveals today.

Their reckless behaviour costs claims firms up to £500million a year and adds an average of £30 to every single annual premium.

The damning figures go some way to explaining why the cost of running a car is rocketing for law-abiding drivers.



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Drivers: The uninsured are pushing up premiums for the law-abiding majority



The Motor Insurers Bureau, which provides compensation to victims of uninsured and untraced drivers, has identified the worst offending areas in the country.


Other insurance blackspots include parts of Essex, Manchester and West Yorkshire.

With nearly 1.4million uninsured drivers on UK roads, Britain has one of the worst records in Western Europe, with about one in 25 drivers not having insurance.

Around 23,000 people are injured and 160 killed by uninsured and untraced drivers every year.

Incredibly, research by the MIB found that one in ten 18 to 34-year-old drivers is unaware that car insurance is a legal requirement. Police say there is a high correlation between uninsured driving and other crimes, with offenders five times more likely to be involved in road collisions, fail to comply with traffic laws, or be engaged in criminal activity.

Ashton West, chief executive of the MIB, said: We cannot stand by and let uninsured driving continue. Otherwise, the honest motorist will keep paying the bills for the injury and damage caused to people and property.




Phil Gormley of the Association of Chief Police Officers added that although there are 500,000 fewer uninsured vehicles on the roads today compared with five years ago, there are areas of the United Kingdom that continue to present a challenge for enforcement authorities.

Road Safety Minister Mike Penning said: The Government is already taking action in a number of areas, to reduce uninsured driving, insurance fraud and the cost of claims as well as improve the safety record of young drivers.

We have introduced a new offence of keeping an uninsured vehicle, which will help us to take targeted action against uninsured driving while freeing up police time to deal with the hard core of offenders.

Last week also saw the Government unveil plans to ban the controversial practice of injury-referrals, which sees fees earned by insurers for tipping off injury lawyers about clients who make a claim.

The Office of Fair Trading has pledged to investigate referral fees, which MPs including former justice secretary Jack Straw and other critics say are forcing up premiums for millions of motorists but a leading insurer has claimed the move will lead to even higher costs for drivers.
Speaking before the plans were announced, Admiral chief executive Henry Englehardt said: If the Government wants to tackle this, it needs to set a cap for injuries such as whiplash at, say, £750, and £150 to lawyers. At the moment, victims can get £2,000. If referral fees are banned, the result would be car insurance going up.

Shares in Admiral plunged 7 per cent after the Government unveiled plans to put a stop to the scam, wiping more than £260million from its value. The practice accounts for 6 per cent of the firms profits.


 
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