30 a year is the added insurance cost waged at open and honest drivers who are forced to pay the cost of claims against uninsured drivers. The government and police are now doing more to protect insured drivers, though they have a major battle against Britain's estimated 1.2 million uninsured drivers on their hands.
Various schemes have been implemented during the past few years that have cut the amount of drivers willing to take the risk to drive without insurance. They are now more easily exposed, as most squad cars have now been fitted with Automatic Number Plate Recognition technology, which alerts police to vehicles with questionable or missing insurance cover. They can be stopped and dealt with immediately, by way of a Fixed Penalty notice, which puts 6 points on their license and slaps them with a 200 fine.
Since June 2003 a Fixed Penalty system has given the police an extra option for dealing with uninsured drivers and created a more thorough enforcement. 6 points and a 200 will automatically be inflicted for the serious offence, but police will also have the option of bringing prosecutions when they deem necessary. If prosecuted, drivers could face a maximum of 8 points on their driving licence, as well as a 5000 fine.
Police are now permitted to take the uninsured car and use the return fee to recover some of the losses incurred by uninsured drivers. If a car is not claimed within 14 days it will face certain scrappage.
Expert motoring solicitors may be able to help you if you have been accused of driving without insurance. However, it is unlikely that a fine and points on your license can be escaped completely as driving with no insurance constitutes as an "absolute offence", meaning that a viable defence is assumed not to exist due to the seriousness of the offence.