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Uninsured driver victim numbers rise | Uninsured driver victim numbers rise |
(about 2 hours later) | |
The body that compensates victims of uninsured drivers is facing its first rise in claims for more than a decade. | The body that compensates victims of uninsured drivers is facing its first rise in claims for more than a decade. |
The Motor Insurer's Bureau, which acts on behalf of the industry, is looking at why they have increased. | The Motor Insurer's Bureau, which acts on behalf of the industry, is looking at why they have increased. |
In the year to July, cases submitted to the MIB rose by almost 10% after being in decline since 2004. | In the year to July, cases submitted to the MIB rose by almost 10% after being in decline since 2004. |
This year, the MIB expects to pay out £256m from money provided by insurers, a cost that adds an average of £15 to each motor premium. | |
Reasons for the rise could include more uninsured driving on UK roads, but increases in the number of drivers and the effect of claims management companies may also be a factor. | |
The MIB's chief executive, Ashton West, told the BBC: "In the last year or so, for the first time in a decade or more, we are starting to see the trend of reduction actually change direction, and we have started to see it increase." | |
Thousands of cars seized | |
The number of claims from victims of uninsured or hit-and-run drivers had fallen from around 25,000 in 2004 to just under 11,000 last year, before the 2016/17 rise. | |
Police seizures of uninsured vehicles are also on the increase. | Police seizures of uninsured vehicles are also on the increase. |
According to MIB data, 145,000 were taken off the road in 2016, a rise on the year before. | According to MIB data, 145,000 were taken off the road in 2016, a rise on the year before. |
Approximately 58,000 were crushed - a rate of more than 1,000 a week. | |
The MIB operates the insurance database used by police forces to check the status of vehicles being driven. | The MIB operates the insurance database used by police forces to check the status of vehicles being driven. |
This system is linked to automatic number plate recognition cameras installed in police cars and at static locations. | |
Police have the power to seize a vehicle if it is confirmed that it is being driven without proper cover. | |
"It's early days, it's difficult to know exactly why, but we've seen insurance premiums rise in recent times and it's possible there is a link between the cost of insurance and people's propensity to drive without insurance," said Mr Ashton. | |
'Bombshell' | |
Last month, the Association of British Insurers warned the cost of motoring premiums could rise further following rises in Insurance Premium Tax. | Last month, the Association of British Insurers warned the cost of motoring premiums could rise further following rises in Insurance Premium Tax. |
Changes to the way compensation is calculated for victims of life-changing injuries - known as the discount rate - have been described as a "bombshell" for motorists. | |
ABI director general Huw Edwards said: "With inflation on the rise, motor premiums at a record high and the public purse under pressure, it's concerning that the government have yet to commit to delivering a fairer system for setting the personal injury discount rate". | |
The organisation says average cost of car insurance for a driver aged between 18-20 is £973. The rate falls off with the age of the driver so for someone aged 46-50 the average cost is £354. | The organisation says average cost of car insurance for a driver aged between 18-20 is £973. The rate falls off with the age of the driver so for someone aged 46-50 the average cost is £354. |
A policeman's tale | |
PC Steve Lee's colleagues call him Hashtag because he frequently Tweets about his job as a roads policing officer. | PC Steve Lee's colleagues call him Hashtag because he frequently Tweets about his job as a roads policing officer. |
Driving around Norwich, the screen on his dashboard constantly brings up number plates harvested by the on board automatic number plate recognition cameras attached to his patrol car. | |
There are also static cameras at undisclosed locations around Norfolk and his control room will relay details of vehicles being driven without insurance nearby. | There are also static cameras at undisclosed locations around Norfolk and his control room will relay details of vehicles being driven without insurance nearby. |
Before long an electronic voice from the on-board system announces the word "alert" after clocking a passing car. | Before long an electronic voice from the on-board system announces the word "alert" after clocking a passing car. |
On older versions of the system, it was "yabba dabba doo". | On older versions of the system, it was "yabba dabba doo". |
We follow a Citroen Picasso into a nearby cul-de-sac where the driver claims he obtained cover the day before, when he purchased the vehicle. | |
PC Lee checks with the MIB and confirms the car isn't insured and it is towed away. | PC Lee checks with the MIB and confirms the car isn't insured and it is towed away. |
The driver is given a deadline to pay a fine and obtain insurance to get the vehicle back, or it will be auctioned off or crushed. | The driver is given a deadline to pay a fine and obtain insurance to get the vehicle back, or it will be auctioned off or crushed. |
In July, 324 vehicles were seized from uninsured and unlicensed drivers by the Suffolk and Norfolk Roads Policing Unit. | In July, 324 vehicles were seized from uninsured and unlicensed drivers by the Suffolk and Norfolk Roads Policing Unit. |
Of these, approximately 130 will be sent to the scrap yard because the owner didn't pay up. | Of these, approximately 130 will be sent to the scrap yard because the owner didn't pay up. |