Drivers urged to make essential check or face £1,000 fine and have car clamped

A woman driving around the city
People should check before they set off in their car -Credit:Getty Images

Motorists are being warned by experts to ensure their vehicles are insured before setting off or they face a series of consequences. In the worst case, they could be heftily fined or even have their car clamped.

The warning, issued by experts from Motor Match, comes as car insurance costs soar due to rising inflation, with the Motor Insurers Bureau Scheme estimating that there are one million uninsured drivers on UK roads. It is feared this figure could increase as some drivers try to skip essentials like insurance, reports Nottinghamshire Live.

The law requires people to have at least third-party insurance for legal driving. Non-compliance can lead to serious consequences, including fines and even clamping.

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A Motor Match spokesperson said: "Driving without at least third-party insurance is illegal and a direct violation of public safety. Even if the vehicle itself has coverage, the driver must be specifically insured to operate it. This ensures that all parties are protected in the event of an accident. Failure to adhere to this law not only endangers the driver and the public but also exposes the driver to significant legal penalties.

"The penalties for driving without insurance are steep. Initially, offenders may face a fixed penalty of £300 and six penalty points on their licence. However, if escalated to court, the consequences can be much more severe, including unlimited fines and possible disqualification from driving. These measures underscore the seriousness with which the law treats the act of driving uninsured.

"Beyond financial penalties and points on the driver's licence, law enforcement has the authority to take immediate action against uninsured vehicles on the roads. This can include having the vehicle wheel-clamped, impounded, or even destroyed.

"It's crucial for vehicle owners to understand that not all insurance policies renew automatically. Being proactive in checking the policy details and renewal dates is essential to avoid unintentionally driving uninsured. Moreover, drivers should verify that their insurance coverage matches their vehicle's use, especially if it involves business activities, to ensure full protection under the law.

"For vehicles not in use and stored on private property, the law provides an exemption from the continuous insurance requirement through the declaration of a Statutory Off Road Notice (SORN). This is an important legal provision that vehicle owners should utilise to avoid unnecessary insurance costs while also staying compliant with the law."