Drivers face £1,000 penalty and wheel clamp for ignore major driving law

Failure to comply with the rules could not only result in drivers being fined £1,000 but also see their vehicles wheel-clamped.

Third party insurance is the legal minimum in the UK. It means that the driver will be covered if they have an accident or cause damage or injury to any other person, vehicle, animal or property.

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But the insurance does not cover any other costs like repairs of the motorist's own vehicle in case of an incident.

Experts from Swansway Motor Group explained that driving without at least third-party insurance is illegal and a “direct violation” of public safety.

The expert said: “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."

Penalties for driving without insurance are steep, and deliberately so to help deter motorists from breaking the law.

Initially, offenders may face a fixed penalty of £300 and six penalty points on their licence but this could rapidly increase depending on the severity of the case.

If the driver is taken to court, the consequences can be much worse with the driver stuck with unlimited fines and possible disqualification from driving.

The expert added: “These measures underscore the seriousness with which the law treats the act of driving uninsured."

James Dalton, chief services officer at theMotor Insurers' Bureau, stated that there are still 300,000 uninsured drivers on UK roads.

He commented: “Every day is hugely unfair to those who are insured, who effectively have to pay through their premiums for all claims made to MIB.

"We know times are tough for many people right now and increased cost-of-living pressures, including motor insurance premiums, may cause more people to make the wrong decision to drive uninsured, but this is not the right way to save money.

“We are encouraging people to ensure they maintain continuous, appropriate insurance on their vehicle, whilst reminding them to look at ways to legally reduce their premiums. While we understand the challenges many are facing, our message is that driving uninsured is never worth the risk.”

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MIB data revealed that 10 per cent of the British public are not aware that motor insurance is compulsory for any vehicle used on a public road.