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Uninsured drivers penalties & facts

A damaged car from a hit and run.

With 1.2 million motorists driving on Britain's roads without even a basic level of car insurance cover, insurance fraud is a big problem and costs the insurance industry £500 million a year, according to the Institute of Advanced Motorists in July 2013.

While some drivers deliberately chance their luck, many simply forget to renew their policy on time. And while many motorists may think they're covered, there are lots of things which can invalidate a policy. If a driver is caught with an invalid policy, they might have to pay for the damages out of their own pocket.

Whatever the reason, failing to take out a valid car insurance policy isn't treated lightly by the law. It's illegal and the consequences could be very severe. Not only can you be fined up to £5000 and incur six or more penalty points on your licence, the police are well within their rights to destroy your vehicle.

Check out more facts about what could happen if you are caught driving without car insurance …

Driving without insurance: the facts.

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Read our Uninsured Drivers guide (pdf) to find out what happens when there is a collision and one party is uninsured. Our guide could help answer your questions around rights, claiming damages, and proving who was at fault.