- There are 300,000 uninsured drivers on UK roads every day.
Birmingham is the region with the most uninsured drivers, according to the Bureau of Motor Insurers.
The MIB, which pays claims for victims of uninsured driving and hit-and-run accidents, estimates that 300,000 motorists are on UK roads every day without cover.
The West Midlands accounts for six of the top 10 hotspots for uninsured driving.
MIB figures have ranked regions based on the number of uninsured driving claims, adjusted for postcode population, between October 26, 2022 and October 25, 2024.
The area with the highest number of claims made against uninsured drivers was Croydon, London, but due to the region’s dense population it was only ranked 176th on the list of hotspots.
Drive carefully: Birmingham postcodes are six of the top 10 hotspots for uninsured driving
The MIB and police forces have today launched ‘Operation Insured Driving’ to crack down on uninsured drivers.
So far this year, about 115,000 uninsured drivers have had their vehicles confiscated.
However, the MIB estimates that there are an average of 300,000 uninsured vehicles on UK roads each day.
Many uninsured cars are linked to organized crime, theft, or driving under the influence of alcohol or drugs.
In addition, more and more drivers are driving without coverage due to high car insurance premiums, warns the MIB.
Driving without insurance also has a huge financial impact.
The MIB estimates that injuries caused by uninsured drivers and hit-and-run drivers cost the economy almost £2.4 billion a year in emergency services, healthcare, lost productivity and human costs.
Chief Superintendent Marc Clothier said: “We know that uninsured drivers are more likely to be involved in fatal collisions and fail to stop, and there is also a strong link between uninsured driving and other criminal offences.
Martin Saunders, head of enforcement at the MIB, said: “We are working closely with police across the UK to ensure these dangerous vehicles are identified and removed from our roads.”
Penalties for driving without insurance
Uninsured drivers receive a fixed fine of £300 and six points on their licence.
If the police stop them, their vehicles may be confiscated and a third of them will be crushed.
If an uninsured driver ends up in court, they could also receive an unlimited fine and even a driving ban.
