As respectable readers of the The Times, you almost certainly pay your road tax on time, buy insurance for your car and register your vehicle correctly with the Driver and Vehicle Licensing Agency (DVLA). Sadly, a growing number of drivers flout the rules, and it is the rest of us who are picking up the tab.
According to comparethemarket.com, the price comparison website, British motorists are collectively paying more than £500 million a year extra on their car insurance - an average of £31 per policy - to cover uninsured drivers. Yet the average fine for driving without insurance is a derisory £250, barely twice the level of a fine for parking on a single yellow line. What incentive is there to buy insurance if the fine for not being covered is about half the cost of the average policy?
