Far more than 2 million warning letters have been sent out over the past 3 years to people who do not appear to have motor insurance coverage.
The owner of a Peugeot who lives in Anglesey, in Wales, has the dubious honour of getting the landmark quantity 2 million.
The letters are part of the Continuous Insurance Enforcement (CIE) scheme, which was introduced in 2011 and aims to rid our roads of the scourge of uninsured drivers.
The AA estimates that one in 25 motorists drive without insurance – that is about a single million cars. And it is not a victimless crime: uninsured and untraced drivers kill 130 folks and injure 26,500 every single year.
Criminal activity
Analysis also shows that uninsured drivers are 5 instances much more probably to be involved in road collisions, to fail to comply with other road site visitors regulations, and to be engaged in other criminal activity.
There’s a monetary cost, also. Uninsured drivers are thought to push up the price of every single motor policy by £33, adding to the economic burden of truthful motorists.
No excuse
Beneath CIE guidelines, if you are the registered keeper of a vehicle, you should have insurance coverage in location at all occasions, unless you have declared the vehicle off the road with a statutory off-road notification (SORN) to the DVLA.
In other words, if you personal a vehicle, it need to be insured even if it spends most or even all of the time on your driveway.
In truth, the Motor Insurers’ Bureau, which runs the scheme along with the DVLA, has no truck with lame excuses – and it is heard plenty. “I’ve got a motorbike that I only ride in the summer”, is just one particular example.
Or how about: “I’m waiting to pass my test so my parents haven’t insured my new vehicle however.”
Allied forces
To help bring uninsured drivers to book, the police and the insurance coverage sector are working together to determine those who are breaking the law.
Roadside cameras that can recognise registration plates are becoming aligned with a central vehicle insurance coverage database, instantly flagging up an uninsured car – hence the 2 million letters in the post rather than drivers being flagged down by the boys in blue.
Extreme penalties
The penalties are extreme if you break the guidelines. The owner of a car without having insurance is automatically slapped with a fixed penalty of £100.
The automobile could also be clamped, seized and destroyed. You could even finish up in court with a fine of up to £1,000.
If you are caught driving with no insurance coverage, the fixed penalty is £300 and the automobile will be seized by the police.
You will also have to spend to recover the automobile and you can expect 6 penalty points on your licence and feasible disqualification.
Insurance coverage impact
Do not forget either that insurers don’t like drivers with convictions. So if you do ultimately make a decision to comply with the law and insure your auto, you will pay a higher price tag.
Robert Goodwill, transport minister, says: “We introduced challenging new laws in 2011 to tackle uninsured drivers who are not only a danger on our roads but also enhance insurance coverage premiums for truthful motorists.
“The scheme has been a partial accomplishment but there is nevertheless much more to be accomplished.”
Penalties and prosecutions
A third of the 2 million recipients of the warning letters have gone on to receive a fixed penalty notice. There are also about 6,000 prosecutions a month.
So, if you don’t want to end up as a statistic, right here are a couple of simple methods to make sure you remain the proper side of the law….
- Your car need to be insured unless you have a SORN, no matter how typically you drive or where you preserve the car.
- Check that your vehicle is on the Motor Insurance Database by going to the web site askMID.com.
- Make certain you private and car details are correct on your insurance coverage policy.
- Notify the DVLA if you are no longer the registered keeper of the car.
Don’t welch on your auto insurance coverage
Hiç yorum yok:
Yorum Gönder