Car Insurance. Uninsured cars head for the crusher Part 2

The problem of uninsured drivers is much bigger than many of us think. According to the Department of Transport 1 in 20 motorists regularly drive without insurance. Research from the Association of British Insurers also shows that it's these drivers who are amongst the most dangerous on the roads. They are three times more likely to be convicted of driving without due care and attention and, on average, cause one accident every six months.

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Life Insurance News

And who pays for the uninsured accidents? Law abiding motorists. The average car insurance premium includes an additional £30 to cover the cost { personal secured loans } of damage caused by the uninsured. That adds up to £500 million per year paid out by the UK's law-abiding motorists!

But that's not the end of it. If uninsured car is in collision with you, it's still recorded on your policy as "fault claim". This means you'll have to pay the excess { life insurance } on your policy and, unless you've got Claims Protection on your policy, your no-claims bonus will be hit. Over a two-year period the loss of bonus could easily cost you £275 in extra premiums .

The move to crush cars has been warmly { mortgages } welcomed by the Association of British Insurers. They have long criticised the leniency of punishment handed out to uninsured drivers but they still want the courts to get tougher. Offenders are typically fined between £150 and £200 with time to pay and this is appreciably less than the average car insurance premium - this cannot be true justice!