Drivers urged to check insurance

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Are you unwittingly uninsured?

Most people seem to think it’s only criminals who have no insurance but you’d be surprised at how many otherwise upstanding members of society don’t have it.

Some of the most common pitfalls are:

• Your policy has expired when you thought it would renew automatically
• Your payment method has expired
• Your vehicle is kept off the road but not declared SORN to DVLA
• You have the wrong class of use e.g. you need business insurance and only have personal use/commuting
• You assume being fully comprehensive allows you to drive any other vehicle
• Using a private e-scooter in a public place
• Inadvertently buying fake insurance – something called Ghost Broking
• A named driver is actually the main user – a type of fraud known as Fronting

Next week, officers will be taking part in Op Drive Insured, a national campaign to crackdown on uninsured drivers.

If you are found to have no insurance, you could face:

• Your car being seized
• Getting 6 points on your licence
• A £300 fine
• A driving ban and unlimited fine
• A conviction for no insurance show up on checks with future employers

Inspector Paul Ryans said: “In the UK, someone is hit by an uninsured or hit-and-run driver every 20 minutes, which is totally unacceptable in 2024.

“While many uninsured drivers are linked to other crimes, many are ordinary people who may not realise they don’t have insurance.

“There are many common insurance pitfalls that can lead to people driving without insurance, but let us be clear, if you do not have insurance, you will get stopped and your vehicle will be seized. You could also face points on your licence, a fine or even going to court. Don’t risk it, check your insurance today.”

Don’t get caught out, check your insurance now.