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Uninsured Drivers are Increasing - You Need to Protect Yourself
The question all motorists should ask is: "Do I have the right amount of insurance cover, or do I just think I do?"

There is, worringly, a steadily increasing number of uninsured drivers in Britain. It is estimated that 5% of UK drivers are totally uninsured. You need to make sure you have fully comprehensive insurance and maybe even buy gap insurance if you want to protect yourself.

There are around 1.2 million uninsured drivers on the roads at the time of writing, and this number is increasing every year.

In the UK there is a formal body called the Motor Insurers Bureau or MIB that handles claims from victims of uninsured drivers. However, the process is complicated and may take years to yield results. A terribly stressful ordeal that nobody should have to go through.

Studies have shown the worst areas for claims involving uninsured drivers are East London, Manchester, Liverpool and Birmingham - the UK's largest cities. If you look at the average cost of car insurance there is a penalty for inner city living; the facts could well be related.

It is estimated around 200 people a year are killed in accidents involving uninsured drivers. These figures may not be 100% accurate, but one life is always one too many.

The estimated costs of medical bills and compensation for people who have been hit by an uninsured driver are estimated to be around £5 Hundred Million per year.

Uninsured drivers who are caught only receive a small fine of £185 which is nothing compared to the damage and hardship they cause. Should the courts be harder on these drivers?

Regardless of injuries and fatalities, many motorists without gap insurance will find themselves well out of pocket if their car is written off.

With this alarming situation increasing make sure you have fully comprehensive insurance cover as well as gap insurance in case you are involved in an accident with an illegal uninsured driver.

Copyright © 2012 Click4Gap

The opinions expressed are those of the author and are not necessarily held by the Click4Group unless specifically stated. The material is for general information only. Always obtain independent, professional advice for your own particular situation.