What's the penalty for driving with no insurance please?

zebidee1

No, it's not me.....I'm far too law abiding for that, lol.

I suspect that someone in my family might be driving with no insurance. IF I'm right, I want to talk to them about it but I'd like to be sure of my facts first.

Can anyone advise?

I just need facts so I know what I'm talking about.

I might even be wrong here.....I just suspect at the moment.

Jamz

unfortunately it's usually just a fine but these people should be locked up scum!

oldbuffer

HUNG, DRAWN AND QUARTERED. Hopefully.

zebidee1

Okay. I asked for help and advice so I could try to right the situation IF my suspicions are corect.

I should have realised it was too much of an emotive subject for people to advise factually upon.

I'll look elsewhere for help.

Cheers.

elite_2

Fine of up to £5000, 6-8 points plus a descretionary ban

philhuff

Realistically, a fine of around £100-£300, plus around six points. It makes depressing reading, but here's the average fine over the last few years for driving without insurance...

2000: £203
2001: £150
2002: £155
2003: £160
2004: £169

Considering that insurance for someone under 21 costs an average of £1,100, there's a clear benefit to not insuring a car.

darich

philhuff wrote: »

Considering that insurance for someone under 21 costs an average of £1,100, there's a clear benefit to not insuring a car.

Only if you don't get caught - but get caught or involved in an accident then it's clearly of great benefit having insurance.
Given the nature of an "accident" ie they're unpredictable and don't come along according to a timetable, i don't think it's worth the risk of not having it!

movilogo

In most cases it is 6 point + £200 fine at least to begin it.

nickmack

darich wrote: »

Only if you don't get caught - but get caught or involved in an accident then it's clearly of great benefit having insurance.
Given the nature of an "accident" ie they're unpredictable and don't come along according to a timetable, i don't think it's worth the risk of not having it!

Indeed, if you have no insurance and happen to write off someones elses £30,000 car through your own fault and you are persued for the cash, it could be very costly.

Even worse, if you badly injure someone, the claim for damages and care could be in the £100,000's.

mattymoo

nickmack wrote: »

Indeed, if you have no insurance and happen to write off someones elses £30,000 car through your own fault and you are persued for the cash, it could be very costly.

Even worse, if you badly injure someone, the claim for damages and care could be in the £100,000's.

I know someone this has happened to. Claim is likely to exceed £1m. They failed to insure the car through an oversight.
As they are relatively well off (combined income of around £50k so not massively wealthy) the MIB will pursue them for the outlay and it is likely they will lose their house.

Enough of a penalty for you?

Conor_3

Don't forget that nowadays if you're caught driving a vehicle uninsured, not only will you get points plus fine, your car is also seized on the spot and if you don't provide proof of insurance within 14 days, it's crushed and if you do provide proof of insurance once you've insured it, you've recovery and storage fees to pay.