The Rise and Fall of the Uninsured Driver

CHESTER, England, May 23, 2011 /PRNewswire/ -- Research by moneysupermarket.com ( http://www.moneysupermarket.com/) shows uninsured drivers are currently rife on our roads, with one in six admitting to the offence. As well as being a danger to other drivers, uninsured drivers also add GBP30* to the cost of a car insurance policy.

However from June, a new law called Continuous Insurance Enforcement (CIE) will make owning a motor vehicle without valid insurance illegal unless it has been declared off road, with greater penalties being introduced for those who flout the rules.

Anyone who owns a motor which isn't declared as SORN (Statutory Off Road Notification), MUST have valid car, van or motorbike insurance for it or face a fixed penalty notice and possible further legal action.1

The research by Britain's number one comparison site found a worrying amount of uninsured drivers on UK roads, with one in six motorists (16 per cent) having broken the law by driving a car they weren't insured to drive. Seven per cent admitted breaking the law by getting behind the wheel of their own car with no cover, while an additional seven percent admit to having driven someone else's car without insurance. Two per cent admitted to driving their own car uninsured in between renewing their insurance policy.2

Peter Harrison, car insurance expert at moneysupermarket.com (http://www.moneysupermarket.com/car-insurance/), said "The number of drivers prepared to hit the road without insurance is a huge concern. It is illegal to get behind the wheel without adequate cover and should you be involved in a crash when not insured you could face thousands of pounds in liability, a conviction including six points on your license as well as charges of up to GBP5,000."

Further research from moneysupermarket.com found over half of motorists (56 per cent) said CIE would make them more vigilant and encourage them to shop around to find a better deal on their car cover, and a quarter (27 per cent) already make certain they are continuously insured. However, a shocking ten per cent said CIE wouldn't affect how they insured their car as they would just accept the fine if caught without cover.3

Talking about the launch of CIE, Pete Harrison said: ""With CIE legislation coming into force next month, it should help drive down the number of uninsured drivers on our roads. It also means ALL motorists need to be vigilant of their insurance renewal dates - especially leisure drivers or motorbike enthusiasts who only use their vehicles occasionally and let their insurance lapse in the meantime; they need to declare their vehicle as SORN or renew!

"With insurance premiums rising on average by 44p per day, or by 31 per cent last year,4 shopping around for the best deal at renewal time is crucial to ensure you aren't paying over the odds for your car insurance. The average saving on an annual car insurance policy using moneysupermarket.com is GBP282, so I urge everyone to do their research and not automatically accept their renewal without checking there isn't a better alternative."

Ashton West, Chief Executive at the Motor Insurers' Bureau, said: "The change in law is a stepping up of enforcement activity, so that not only those vehicles driven without insurance will be caught. Now the registered keeper must make sure that their vehicle is insured all the time.

"In order to make sure everyone is aware of the new scheme, a national awareness campaign will be shown on satellite and terrestrial TV channels.

"Around four percent of vehicles have no motor insurance at any given time and this needs to change so that is why this new enforcement approach is so important."

Notes to Editors:

* - Source: http://www.mib.org.uk/Media+Centre/en/Key+Facts/Default.htm

1 In a bid to protect motorists from uninsured drivers the Road Safety Act 2006 included Continuous Insurance Enforcement (CIE). This is due to be brought in from May 23 2011 and will mean anyone who is registered as an owner of a vehicle, which isn't registered as SORN (Statutory Off Road Notification), MUST have valid car insurance for it or face a penalty.

http://www.direct.gov.uk

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696?pro=stayinsured

http://www.legislation.gov.uk/ukpga/2006/49/section/22

(Due to the length of this URL, it may be necessary to copy and paste this hyperlink into your Internet browser's URL address field. Remove the space if one exists.)

2 Opinium Research carried out an online poll of 2019 British adults from 11 - 15 February 2011.

Results have been weighted to nationally representative criteria. http://www.opiniumresearch.com.

3 Web Poll conducted by moneysupermarket.com

New legislation will make it illegal to keep a vehicle that's uninsured. Will this change the way you insure your car?

- Yes - I'll automatically renew with my existing provider (8.1%)

- Yes - I'll be more vigilant and shop around to find the best quote (55.8%)

- No - I'll deal with a fine if necessary (9.7%)

- No - I already ensure I'm continuously insured (26.5%)

Total Votes: 1004 Voting Ends: 07/05/2011

4 The rising cost of car insurance

Over the past year car insurance quotes have increased on average by 31%. The average moneysupermarket.com quote has gone from GBP519 to GBP680 (44p per day). Figure calculated using 21,370,762 enquiries made between 11/01/2010 and 13/01/2011.

moneysupermarket.com's customer commitment

- No other site compares more prices or products

- We are independent so only find the best deals for you

- The price you see is the price you pay - you don't need to go direct and you won't get a better deal doing so

- Your details are safe with us and we won't sell them to anybody

moneysupermarket.com compares (at 24th February 2011)

- 100 car insurance providers and 76 home insurance providers

- 20 broadband providers and 18 energy providers

- 27 unsecured loan and 5 secured loan providers

- 65 mortgage lenders and 33 credit card providers

- 65 savings providers and 32 current account providers.

- Over 865,000 mobile phone deals

We promise to be clear and impartial

- All the products in our full search results tables are displayed in a completely unbiased manner.

- We don't add fees or commissions on to the prices we compare.

- There may be times when another site compares more companies than us on a particular product, perhaps because of market changes or technical issues. You'll be able to see this and know we are working hard to fix it.

We promise to be trustworthy

- We never use your data to make unwanted sales calls or send you spam.

- We never pass your personal information to third parties unless you give us permission to do so.

- Even if you choose to receive additional information from us, you can opt out at any time.

- We promise to be supportive.

- You can use our community forum to get information and help from other customers.

If you need further help or support, you can contact our sales advisors, customer services agents.

    
    For further information, please contact:
    Paul Lawler
    PR Manager
    Tel: +44(0)1244-370-317
    Email: Paul.lawler@moneysupermarket.com

SOURCE moneysupermarket.com