Uninsured driving rife in the UK

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One in seven (15%) of UK motorists has admitted to breaking the law and driving at least once without insurance, according to new research by MoneySupermarket – with young drivers most likely to do it.

The price comparison site also found that 6% of motorists admit to knowingly getting behind the wheel of their own car with no cover, while a further 6% confess to borrowing someone else's car without insurance. 

Younger motorists are the biggest risk takers, with 30% of 18-34 year olds admitting to driving without insurance

Worryingly, 14% of those who owned up to having driven without insurance claimed they did so because they were unaware of the need for insurance behind the wheel.

Meanwhile, 26% blamed being in between insurance policies as the reason for hitting the road uninsured, and 7% simply couldn't be bothered to arrange cover. Unsurprisingly, 12% said they couldn't afford the insurance – that’s double the figure in the previous year’s survey.

Just as worrying is the 7% who reckon there’s no point having insurance as they don't think they’ll have a crash. Additionally, 12% said they just hadn't got round to renewing their policy yet, and were going to do so at a later date.

Younger motorists are the biggest risk takers, with 30% of 18-34 year olds admitting to driving without insurance, compared with just 5% of over 55s. Men were also twice as likely to drive with no insurance than women.

Peter Harrison, car insurance expert at MoneySupermarket, said: "It's astonishing how many drivers are still prepared to hit the road without insurance. Not only is it illegal but you could face thousands of pounds in liability, a conviction, six points on your licence and a hefty fine should you be caught out or be involved in a crash. To make matters worse, uninsured drivers cost the insurance industry £500 million each year, which as a result adds an average of £30 to every motorist's premium”.

For the full low-down on how car insurance works and how you can cut the cost of cover, log on to our insurance advice pages.