Insurance dodges: crime and punishment

That little voice in your head can be pretty persuasive when it starts suggesting 'ingenious' ways to dodge life's hurdles. But, as tempting as it may be to avoid paying out for car insurance, the penalties for driving without it are high – and life changing.

If you drive without insurance, or when your policy has expired…

Did you know?
Driving without insurance is a criminal offence. You’re unlikely to get a criminal record, but it will significantly ramp up the cost of future insurance policies and could affect your job prospects, as many employers require a clean driving record.

It makes no difference whether you chose to drive without insurance or forgot to renew your policy. Either way, you’re uninsured – and no excuse is likely to get you off the hook with the authorities.

What’s the punishment?

At the very least, the police could give you a fixed penalty of £300 and six penalty points. If the case goes to court, you could be landed with an unlimited fine and/or be disqualified from driving. The length of your disqualification will be determined by the court based on any previous driving offences.

Not only this, but the police would be well within their rights to seize and possibly even destroy your vehicle.

If you drive someone else’s car without insurance cover…

In addition to receiving the above penalties, you could end up incriminating a friend or relative if you drive his or her vehicle without being insured to do so.

Did you know?
If you think an insurance policy is costly now, remember that a conviction for driving without insurance only makes it harder and more expensive to buy a policy in the future.

What’s the punishment?

The friend or relative who owns the car could be fined, lose his or her car if it’s impounded or destroyed, and even face a motoring conviction for aiding and abetting an uninsured driver.

Did you know?
In 2016, the UK reached an incredible 1.5 million uninsured vehicles seized.
More than 100,000 were confiscated by the police that year.

If you give inaccurate information when arranging your policy…

Even if your vehicle is insured, you could be penalised for giving incorrect details when taking out your policy, or failing to update them if your circumstances change.

What’s the punishment?

Claims you make may not be paid by your insurance company, and you may face a criminal conviction if there is evidence of fraud or misrepresentation.

If you give the name of an experienced driver as the main driver on your policy, even though that person rarely or never drives the car…

Also known as ‘fronting’, this course of action can be tempting when you’re faced with high learner driver premiums. But frankly, it’s not worth the risk.

What’s the punishment?

If caught, you and your co-conspirator could face prosecution for insurance fraud and the car would likely be impounded. Your insurance company could also refuse to pay out for any claims if you had provided them with false information.

Maybe that premium doesn’t sound so bad now, after all?

Don’t worry – you can still keep costs as low as possible by shopping around for the best deal. Adrian Flux offers learner driver insurance starting at under 85p per day! Learn more here.