People driving without insurance might seem like a far-fetched notion with all the technology and governance at play today. 

But it’s more common than you think. In 2017, there were 1 million uninsured drivers in England and Wales. That accounts for 4% of the population. That means every three days, drivers were affected by an uninsured driver. 

Whether this is due to an oversight by those drivers of ‘let’s hope we don’t get caught’ or ‘my insurance starts tomorrow, so I should be fine’, it’s hard to determine their logic behind it. But for your peace of mind, you need to ask yourself ‘is my car insured?’

If it’s not, we strongly suggest you do not take the risk of driving an uninsured vehicle. 

How do I check if my car is insured? 

To quickly check if your vehicle is insured, head over to The Motor Insurance Database. All you have to do is enter your vehicle’s registration number, and the database will tell you if you’re insured. 

The Motor Insurance Database will intervene when you haven’t insured your car (whether accidentally or not). You’ll be sent an advisory letter that will outline the steps you need to take to legally drive your vehicle. 

Failure to adhere to those steps can lead to your vehicle being clamped or destroyed. 

Why do I need car insurance?

By law, everyone driving a vehicle in the UK is required to have car insurance. The Road Traffic Act in 1988 states that everyone on the road needs to have, at least, third party insurance. 

Whilst finding the right insurance can be a pain, the consequences of driving without car insurance are far worse. Here’s what could happen if you opt to drive without insurance: 

  • Driving without insurance comes with a hefty fine of £300 and 6 points on your licenses. In some cases, your vehicle can be destroyed. 
  • If you’re taken to court, the fine could be set at an unlimited amount and you could be disqualified from driving. 
  • It doesn’t matter if your car isn’t being driven. An uninsured parked car on the road could land you £100 fine. 

How do I find the right insurance? 

Price comparison sites remove a lot of friction from the insurance process, by allowing you to see a wide range of quotes all at once. But be careful, it’s important to look closely at the policies offered. For example, the third-party only policy will not be the cheapest because it provides the least amount of cover.

You can also get insurance from brokers like, Quote Detective, who compare insurance policies from a panel of insurers to find the best policy for your circumstances. And the best thing is, your premium is consolidated by us and no one else. So, when it’s time for renewal or an amendment to your insurance – you just contact us. 

For more information on how we can help you. Contact our team of friendly experts.