Two Offences For The Price Of One When Driving With No Insurance And Licence

Perhaps the obvious but most overlooked factor in getting car insurance is having a valid licence which entitles you to drive the vehicle you want to. This prerequisite can be a huge problem for people who have been trying to get hold of a license and it can push people to start driving without insurance. Another important factor which can prevent drivers from purchasing a car insurance policy is the cost of the premiums.

Many foreigners who have come to live in the UK tend to drive without licence or insurance because they cannot get insurance without proof of a valid driving licence. They end up driving uninsured just like other people who haven't been able to pass their driving test or who cannot be bothered to go through the procedure of getting one. These drivers are a great threat to the society as a whole. Some of them might have a basic understanding of traffic signs and the Highway Code while others don't have a clue. Although we can ignore minor motoring offences they might commit like parking where they are not allowed, other offences can be really fatal. For instance, if an unlicensed driver does not know the road signs of where to give way, they may crash into you when you were right in not stopping or slowing down because you had priority over this other vehicle. There are many other examples which can lead to dangerous driving conditions such as when to overtake or who's got priority at a roundabout.

Sometimes car insurance quotes can be too expensive. For young or new drivers, quotes are so high that you wonder whether you'll be able to afford it at all. For drivers without a clean licence, premiums can increase significantly. A silly motoring offence like jumping traffic lights or speeding can add to your premiums and for drivers with more harsh convictions, quotes can be well beyond the point of affordability. In such situations, many people can opt to drive with no insurance even though they hold a full driving licence.

An uninsured motorist causes problem for everyone. Even the tiniest incident can become a headache. If somebody scratched your car and you later find out they had no insurance cover, you will find yourself in a lot of trouble even if it wasn't your fault. You have to pay the damages caused by somebody else as your insurer cannot bill anybody else because the person at fault was not insured. More drastic situations can arise where people are badly hurt and vehicles damages are going to cost a lot for repairs. Although you can claim compensation for personal injuries, you will still need to fork out the money to get your car repaired if you don't have comprehensive cover (excess still needs to be paid though).

If you drive without insurance, you will have to face severe penalties as a consequence and driving without licence will automatically render any insurance cover that you may have invalid. Therefore, it is in your best interest to do neither of them.