On BBC Breakfast radio show last week their top story from Phil Upton was that concerning uninsured drivers and the effect they are having on other motorists.
Believe it or not it has been found that the West Midlands has the highest number of uninsured drivers with the top three postcodes being B8, B9 and B10 - Birmingham. These are the worst affected postcodes which are pushing up other premiums.
But it isn’t just the West Midlands, Yorkshire when also combined with the West Midlands account for 17 out of 20 of the worse postcodes for uninsured drivers!
There is a plan to try and reduce the UK’s total number of uninsured drivers but with the high number of motorists driving illegally in the West Midlands and Yorkshire it has lead these plans to a grinding holt.
Although there has been a drop in the total number of uninsured drivers in the past five years reported by The Motor Insurers’ Bureau unfortunately drivers within Yorkshire and the West Midlands who drive without cover was more than seven times the national average.
Currently there are about 34 million vehicles on the UK roads this includes privately owned cars, vans and minibuses as well as various vehicles for hire such as cars for hire, vans for hire and even minibuses for hire.
Out of these 34 million it is estimated that around 4% are uninsured; this might seem pretty low but in reality it means there are 1.4 million uninsured drivers and these are adding around £30 to every motor insurance policy.
Just last month Birmingham took the crown for the number one hotspot for “crash for cash scams”. This is effectively where criminals stage a crash and then formulate an insurance claim which is extremely lucrative.
Although the government placed a ban on referral fees in personal injury claim cases but the government are looking into insurance cost and are trying to tackle uninsured driving and motor insurance fraud.
As of June this year all registered keepers of motor vehicles without insurance have received warning letters which states they must either take out insurance of officially declare their vehicle off road.
There is progress being made in order to reduce the total number of vehicles which are being driven without insurance but there are various areas of the UK which simply won’t abide to the law!