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Motoring Law: Uninsured driving hotspots are West Midlands and West Yorkshire

Uninsured drivers currently make up about 4% of the driving population of the UK and the Motor Insurers' Bureau has released figures showing where the majority of them can be found.

Those who drive without insurance may do so because they believe that insurance premiums are too high, but it is their actions that force up costs. It is estimated that an extra £380 million, or around £30 per person is added to premiums because of uninsured drivers.

As well as being a financial burden on other motorists, uninsured drivers often tend to be younger drivers who have more accidents, thus increasing the risk to other road users.

The top twenty post codes where you are most at risk from being hit by an uninsured driver are:

1. Birmingham B9                      11. Halifax HX1
2. Birmingham B10                    12. Bradford BD7
3. Birmingham B8                      13. Birmingham B12
4. Bradford BD9                         14. Manchester
5. Bradford BD3                         15. Wolverhampton WV2
6. Bradford BD8                         16. Bradford BD5
7. Birmingham B6                      17. Birmingham B18
8. Manchester M12                    18. Birmingham B66
9. Birmingham B11                    19. Birmingham B19
10. Birmingham B21                   20. Romford RM20

In these areas, there is more than eight times the national average number of uninsured driving incidents.

Ashton West, Chief Executive at MIB said, "We cannot stand by and let uninsured driving continue, otherwise the honest motorist will keep paying the bills for the injury and damage caused to people and property.

"We are determined to bring UK levels more in line with the rest of Western Europe and that is why the industry are committed to playing their part by making sure that motor policies are recorded on the MID, thus enabling the police and DVLA to identify vehicles that have no insurance."

If your car is uninsured and you do not plan to drive it, you must register it as being off road through SORN (Statutory Off Road Notification). If you do not, you will face an automatic penalty of £80, you could also face fines of at least £1,000 and your car could be seized and destroyed.

If you are caught driving an uninsured vehicle, the fixed penalty is £200 and six penalty points on your licence.

If you commit a serious offence while driving uninsured, you could be fined up to £5,000 and you will receive six to eight penalty points on your driving licence. You could be disqualified from driving and your car could be seized and destroyed.

Related links:
Read more on the story (Motor Insurers' Bureau)
Read an overview of motor insurance (FindLaw)
Find local motoring solicitors throughout the UK (FindLaw)