Uninsured driving crashes among young

crushed carsStefan Rousseau/PA Wire/Press Association Images

Figures revealed today reveal that the number of uninsured young people has plummeted. In fact, the estimated number has halved over the last three years.

So why this new-found enthusiasm for insurance, and what message should it hold for all drivers?
The Motor Insurers' Bureau issued its estimates today that there are a total 1.2 million uninsured motorists on our roads, of which one in ten are young drivers. This accounts for a major fall in the number of uninsured people between the age of 17 and 20.

So where has this new fondness for insurance come from?
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Crackdown

The MIB said it has come from two sides. The first is a significant increase in the number of police on the roads, setting out to tackle this crime alongside other road infringements. There are those who argue that more police on the roads is part of a determination to raise revenue from speeding. However, it has had the useful side-effect of clamping down on uninsured drivers.

The second, and possibly more significant, is the Continuous Insurance Enforcement (CIE) law. The scheme was introduced last year. It cross-checks the DVLA database with the Motor Insurance Database. Anyone who appears to have no insurance will receive a warning letter, followed by a series of escalating penalties.

Road Safety Minister Mike Penning said:""The fall in uninsured driving is good news, thanks largely to the efforts of the Police and more recently the introduction of Continuous Insurance Enforcement."

What does this mean for you?

Regardless of your age, these steps have the ability to track down uninsured driving and punish it with the full force of the law. At best it could result in a major fine, at worst it could leave your car crushed (pictured). Those who have been hoping they will get away with it really need to think twice.

It's also worth bearing in mind that according to Ashton West, Chief Executive at MIB, this is just the beginning. Penning adds: "Uninsured drivers are a danger on our roads and that is why the Government will continue to tackle uninsured drivers and leave them with nowhere to hide."

And while this is a headache for the uninsured, if you are one of the many millions who have proper insurance cover, this should come as excellent news. As West points out: "Uninsured driving adds £30 per policy per year to the cost of insurance premiums, resulting in £400m a year in costs to the industry. " With fewer uninsured drivers on the road, there's every chance you could see a real reduction in your policy price at renewal time.

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