There are several reasons why it is a very bad idea to drive without proper motor insurance. First and foremost, it is illegal; if you drive without insurance you are liable to an IN10 ‘Driving with no insurance’ penalty.
It may seem like a good idea at the time to save yourself a considerable about money by failing to take out insurance cover for your vehicle. You may of course drive around for a long period without being involved in any kind of accident or being stopped by the police. However, it is certain that in the end, one of these two things will definitely happen.
The idea of car insurance is that you take out a policy, and hopefully you will never need it. Therefore, it may seem like a waste of money, but car insurance is there to protect you and others, should you be involved in a minor or serious accident.
So you may be lucky and drive around for let’s say two years without ever having even a near miss. But then, you get involved in a minor bump. Now you will become liable for those legal penalties.
The IN10 can result in 6 to 8 penalty points and/or a ban from driving, and in addition a fine of up to 5,000. If you...
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