Driving Without Car Insurance A Common Motoring Conviction
Published: 3 March 2010 By MoneyHighStreet Staff Leave a Comment
The majority of motoring convictions are for speeding offences but driving without car insurance is high on the list AND men are more likely to have a driving conviction than women.
According to AA Insurance, the “vast majority of convictions – 85 per cent of them – are for speeding offences. Second most likely offence is for jumping traffic lights (9 per cent) while a worrying 2 per cent are drink-drive offences. Men are more than twice as likely to have a drink-drive conviction than women.”
After these motoring convictions come driving without insurance and driving whilst using a hand-held mobile telephone.
Car insurance is a requirement of the law. All drivers in the UK must be insured and driving a vehicle that you are not insured to drive is a criminal offence.
For men, those between 25-34 are most likely to have a motoring conviction whereas for women those between 35-44 are most likely to.
Men between the ages of 25-44 are the most likely to have 2 driving convictions.
As Simon Douglas, director of AA Insurance, says: “whatever your age or sex, insurers take notice of driving offences, especially multiple offenders and this is reflected in premiums. That’s because regular offenders are much more likely to make an insurance claim than those who have a clean license.
Keeping the right side of the law is one of the best ways to keep your insurance premiums in check.”
When you get a car insurance quote, the premium or the cost of the insurance will vary from company to company. This is because each company will base their quote on a set of risk factors, including such as driving offences, and increase or decrease the premium depending on how you rate against these factors.