RAC Cars News


Gone In Seconds

By raccars Published

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The Motor Insurers' Bureau (MIB) has launched a new, nationwide campaign to tackle uninsured drivers. Called 'Gone in Seconds', the campaign is based around a video showing that Automatic Number Plate Recognition (ANPR) cameras can identify an uninsured car within seconds. The MIB exists to compensate accident victims when drivers are uninsured.

According to the MIB, incidents involving uninsured drivers have increased 10% in the last 12 months, after years of declining since the law was changed in 2005 to give police the power to seize cars. Figures had decreased by 50% to one million uninsured driver claims over the last decade, but statistics for July 2014 - July 2015 show that the MIB has received 10% more claims than the previous year. A third of those claims involve drivers under the age of 30, which the MIB attributes to the high cost of insurance for younger drivers.

The MIB is working with police forces nationwide to launch its campaign, which it hopes will help to reduce the number of people killed or seriously injured by uninsured drivers every year. The bureau claims that the under-30s are its main target demographic.

Continuous Insurance Enforcement or CIE legislation was introduced to help quickly identify and deal with uninsured drivers. It means that unless you have given the DVLA a Statutory Off Road Notice (SORN) for your car, it must be insured, even if you are not currently driving it. The DVLA work with the Motor Insurance Database (MID), comparing vehicle records to identify uninsured cars and notifying the owners with an Insurance Advisory Letter (IAL) that they are committing an offence. If the owner fails to act upon that notice, they can be fined and their vehicle seized. The CIE scheme sees more than 4,000 IALs sent on a daily basis.

If you are caught driving without insurance by the police, you could receive six licence penalty points and a £300 fine. You car can also be seized and you will have to pay to release it, or it could potentially be crushed. You will then still need to insure your car and your premium will be even higher with a conviction on your record.

The MIB's 'Gone in Seconds' campaign is being supported by the Association of British Insurers, which claims that uninsured drivers make the roads more dangerous for all other road users and push the cost of law abiding drivers' insurance premiums higher.

The MIB's research shows that not only are thousands of people killed or injured by uninsured drivers every year but also that uninsured vehicles are involved in various criminal activities, so the bureau aims not only to promote safer roads but also to reduce wider criminal behaviour.

In other insurance news, insurance firm, GoCompare, has urged car owners to check their policy details carefully before using valet parking services. Research indicates that more than 40% of policies do not include cover for damaged caused during valet parking. These services might include airport car parking, hotel chains, valet hand car wash firms and entertainment outlets, with valet parking becoming increasingly popular in the UK. Valet operators may offer their own insurance cover for your vehicle while it is in their care, but you should check the terms or conditions before handing over your car, as the conditions can be very limited.

If you are collecting your car from a valet service, scrutinise it for damage before you leave as retroactive claims are unlikely to be successful. Exclusions apply to possessions, so don't leave anything of value in your car while under the care of a valet service.

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