Thousands of drivers have been caught driving without insurance in the UK. According to the Motor Insurers’ Bureau (MIB), thousands of people break the law unwittingly driving other people’s cars without insurance. This has led to the seizing of more than 3,000 vehicles from July 2016 to June 2018. What actually resulted to the vehicles being seized was over 40% calls made to MIB’s Police Helpline from police officers enquiring if the insurance policy holders had the ‘Driving Other Vehicle’ (DOV) extension on their policy during the period.
According to the study, people often assume they have a DOV extension on their insurance policy when they hold a fully comprehensive cover. You should know that DOV extension is only valid if one is a policy holder on a vehicle, is not a named driver on someone else’s. This means that you could actually be only insured on your vehicle yet you assume that your family members, friends and partners who you drive are insured.
Scenarios, where people have neglected to check their policies in detail, have been highlighted by the calls into the police helpline. One particular case an individual on the school run had borrowed their partner’s car was stopped by the police. After it was discovered that the policy holder did not have the DOV extension on their insurance, the vehicle was seized as a result.
In regards to this matter, MIB encourages all drivers to carefully check their insurance policies or policies on which they are a named driver. This will ensure no more being caught driving without insurance. They will remain on the right side of the law. Obviously, the consequences are serious if one breaks the law. Those caught driving without insurance face a couple of penalties. You could be fined up to £300, receive 6 to 8 penalty points on your licence, have your car seized by the police or even destroyed and facing higher insurance premiums in future.
The Head of Enforcement Services at MIB explained that an innocent quick trip in your friend’s car could result in losing the vehicle, fines to pay and penalty points on your licence. He further said that their intention is to sensitise the drivers to think before jumping in another vehicle. You should ponder whether you are actually insured to drive the car. Remember that in case of an accident, you are liable for any costs if you are uninsured.
This is a risk you shouldn’t take if you are not sure of what your insurance policy covers you for. You can always contact your insurer prior to driving. Ensure you are not among the offenders because the law still remains whether you were aware of the type of insurance cover or not.