Vehicles: Insurance

Baroness Oppenheim-Barnes Excerpts

Wednesday 4th July 2012 Lords Chamber

Asked By

[Baroness Oppenheim-Barnes]

To ask Her Majesty’s Government how many uninsured vehicles are in regular use on United Kingdom roads, and what action they are taking to reduce that number.

[Earl Attlee]

My Lords, 1.2 million vehicles are recorded as being uninsured. Our actions to reduce this are, first, the offence of keeping a vehicle without insurance; and, secondly, allowing insurers access to DVLA driver details on penalty points and disqualifications in order to reduce fraud. The Secretary of State recently hosted a cross-government summit with insurers on measures to reduce the cost of premiums, which would lessen the incentive to drive uninsured.

[Baroness Oppenheim-Barnes]

My Lords, I thank my noble friend for that reply. Is he aware that in France all motor vehicles have to carry a pink disc alongside their equivalent of our tax disc, with their insurance details obvious in the windscreens at all times and updated when required by law? Surely this is a simple way of assessment as other members of the public will notice cars that are not carrying a pink disc and any policeman or other enforcement officer passing by will know immediately that a car is not insured.

[Earl Attlee]

I thank my noble friend for a very sensible suggestion. However, under the new system of continuous enforcement insurance the vehicle keeper will have to insure the vehicle or declare it to be off the road by means of a Statutory Off Road Notice. If the keeper does neither, a fixed-penalty notice for £100 will be issued. This will strip out the softer evader, leaving a smaller group of more persistent evaders for the police to target on the road. Another little difficulty with my noble friend’s suggestion is, of course, that the insurance may have been cancelled due to non-payment of the premiums.