MIB warns of 300,000 uninsured motorists on UK roads

The Motor Insurers’ Bureau has warned that despite a recent fall in premiums there are still 300,000 uninsured motorists on UK roads every day.

According to the Association of British Insurers, motor premiums fell two per cent in the second quarter of the year.

This was the first decrease in two years, but costs are still just £12 off the all-time high while renewal costs are 21% more than in 2023.

As a consequence, some motorists are choosing not to take out insurance in an effort to mitigate cost-of-living costs, with research carried out by YouGov and commissioned by MIB revealing that 10% of the British public are not aware that motor insurance is compulsory.

Driving uninsured carries a fixed penalty notice of £300 and six penalty points, while drivers also risk having their vehicle seized.

Uninsured motorists

James Dalton, chief services officer at MIB, said: “It’s really important that we continue doing all we can to reduce the level of uninsured driving on the roads – having 300,000 uninsured drivers on UK roads every day is hugely unfair to those who are insured, who effectively have to pay through their premiums for all claims made to MIB.

“We know times are tough for many people right now and increased cost-of-living pressures, including motor insurance premiums, may cause more people to make the wrong decision to drive uninsured, but this is not the right way to save money.

“We are encouraging people to ensure they maintain continuous, appropriate insurance on their vehicle, whilst reminding them to look at ways to legally reduce their premiums. While we understand the challenges many are facing, our message is that driving uninsured is never worth the risk.”