Road Traffic Offences: Motor Insurance

(asked on 20th January 2026) - View Source

Question to the Department for Transport:

To ask His Majesty's Government what assessment they have made of (1) the appropriate level for the fixed penalty for uninsured driving in relation to average motor insurance premiums, and (2) the need to create a genuine deterrent against uninsured driving.


Answered by
Lord Hendy of Richmond Hill Portrait
Lord Hendy of Richmond Hill
Minister of State (Department for Transport)
This question was answered on 25th February 2026

The Government is consulting on motoring offences, as part of the recently published road safety strategy. This includes exploring the minimum penalties for the offence of uninsured driving and whether they should be increased.

This is to ensure that the minimum penalties act as a suitable deterrent and reflect the seriousness of the offence of driving uninsured.

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