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Driving a vehicle on a road or in a public place without insurance against third party risk is an offence. You need to be correctly insured for the vehicle you intend to drive or you could face a fixed penalty notice. The cost to you
Uninsured drivers inflict a major financial burden on other motorists, estimated at around £380 million each year or around £30 of the cost of each insurance premium. The damage caused in road traffic accident results in large number of claims for settlement by the Motor Insurers Bureau (MIB).
Uninsured drivers also impose other costs on society. Research and surveys show that uninsured drivers are more likely to be involved in road traffic accidents, fail to follow road traffic signs and signals and potentially be involved in other criminal activity. Compensation The uninsured drivers agreement between the government and the MIB ensures that the innocent victims of uninsured drivers donít go uncompensated. The agreement provides arrangements for the MIB to pay compensation to those who suffer personal injury or damage to their property as a result of a motor vehicle accident.
In the case of untraced drivers, compensation can only be claimed for damage to property where the vehicle concerned has been identified.
source: www.direct.gov.uk © Crown copyright (correct at 21/1/11)
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