Millions of UK drivers risk £300 fine and licence points for ‘costly mistake’

Martin Lewis warns viewers about drastic car insurance changes

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More than a quarter of UK drivers have driven someone else’s car in the past 12 months, according to new research from Direct Line. Around 6.7 million of those behind the wheel were found to be potentially driving without valid insurance.

Direct Line says this trend of people driving without proper insurance is a “potentially dangerous and costly mistake”.

It is illegal to drive a vehicle on a road or in a public place without at least third party insurance.

Even if the vehicle itself is insured, if a motorist is not correctly insured to drive it, they could get penalised.

The police can issue a fixed penalty of £300 and six penalty points if they are caught driving a vehicle they are not insured to drive.

If the case is escalated and reaches court, a driver could be slapped with an unlimited fine and be disqualified from driving.

The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.

Lorraine Price, head of motor insurance at Direct Line, commented: “This research paints a worrying picture of people driving while uninsured because they haven’t checked the details of their cover.

“It may feel like taking a friend’s car for a quick spin or popping to the shops is low risk, but you could be doing so as an uninsured driver, a potentially dangerous and costly mistake.

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“Take the time to check your own policy and the policy of the car you are driving before getting behind the wheel.”

Driving other cars is no longer a standard element of comprehensive car insurance policies., with the certificate of insurance stating who has cover to drive other cars.

Only 38 percent of survey respondents who have driven another car in the last year checked they were insured to do so.

Some 4.5 million people said they were fine because they had their own fully comprehensive policy, while 1.2 million were not sure but presumed they were covered.

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