Car Insurance Changes

If there’s one thing that makes the blood boil when it comes to car insurance, it’s when you are told that your premiums are going up this year, due to claims made by motorists who had been involved in an accident with an un-insured driver, this is in spite of not making any claims your self and with full no claims to your disposal, we still get penalised for these fly by nights who couldn’t give a damn about anybody else.

The fact that should not be lost on us law abiding drivers, is that these un-insured chancers are costing us, yes us the ones that already pay our way, an extra £600 million to our car insurance premiums.

Not happy with breaking one law, you will find that un-insured drivers are highly likely to leave the scene of an accident and a more worrying statistic, is that they are 10 times more likely to be the influence and have drink driving convictions. Car insurers More Than says that on average this will cost individual customer who is insured an extra £30 a year in premiums and expect this to increase in the future.

So what can be done to curb the amount of drivers who flout the law and don’t pay for car insurance? Well the Association of British Insurers wants the lawmakers to change the offence from being only illegal to be driving an un-insured vehicle, to being illegal to actually be the registered keeper of a car that is not insured. If this would make it better or worse I don’t know, as if they are willing to drive a car without insurance, then they might not have any qualms about not registering the car in their own name in the first place.

Though Sainsbury’s car insurance has claimed that if this change was to be made, then the chances are that car insurance premiums could fall by 6% if the changes were brought into force.

The change will hopefully run hand in hand with Swansea and people who are registered as having car tax, can be checked to see if they have insurance to go with it, if not then they can be brought to book straight away, though certain car users will be exempt from this, these will be vehicles used for off road use only and cars that are only used on private land.