Vehicles must be insured – unless subject to a Statutory Off Road Notification (SORN)
According to Government figures there are around 1.5 million motorists driving uninsured.
Uninsured drivers cost you and every other honest motorist an average of £30 on your annual insurance premium to fund payments to victims of uninsured drivers made by the Motor Insurance Bureau (MIB).
To try to address the problem of uninsured drivers, the Road Safety Act (2006) introduced a new offence of being the 'keeper of an uninsured vehicle' - unless that vehicle is subject to a Statutory Off Road Notification (SORN) or is in the process of being transferred to a new keeper by DVLA.
Continuous Insurance Enforcement (CIE) came into force in 2011. Initially CIE is not being introduced in Northern Ireland.
The Motor Insurance Bureau (MIB) makes regular comparisons between the Driver and Vehicle records held by the DVLA and the records held on the Motor Insurance Database (MID).
If you ignore the letter and take no further action then you face the prospect of:
This scheme has achieved a steady fall in the number of uninsured vehicles on our roads.
More than two million warning letters have now been issued from the Motor Insurers’ Bureau (MIB) to drivers whose car was neither insured or subject to statutory off-road notification.
There are around 6,000 prosecutions for keeping an uninsured vehicle every month.
(27 November 2014)
Some vehicles are exempt from continuous insurance enforcement:
It's important not to let your insurance cover lapse at renewal time as an insurance advisory letter (AIL) can be issued as soon as the MIB identifies a taxed vehicle without insurance.
Whenever you insure a vehicle or renew cover it's a good idea to check that the Insurer has actually sent a record of your cover to the motor insurance database (MID). You can do this simply by entering the vehicle registration on www.askmid.com.
(updated 1 December 2014)