Levi
I'm looking at £2500-£3000 for a years insurance on a Group 1 car (new, male driver). The fine for driving without insurance should be at-least double that, otherwise what's the incentive for insuring your car? And banning people who drive without a license? Where's the sense in that?

Jermaine
I used to drive around with no insurance and no licence untill i was 20 and i decied to go for my test which i passed first time. There has been one time where i bought my '1st proper car' and was so excited about the fact i had a licence i drove it. But this time i was not so lucky, i tried to turn into a side road and BAM!!! a van wrote the car off and because i didnt have no insurance I had to pay the guy £200 for damages to his car other wise he would have called the pigs on me. So I was £200 down and no car. Today I have a punto sporting and I have fully comp insurance that allows me to drive other peoples cars....3rd party only tho. GET INSURANCE!!!!!

Sean
it's not right, but it's no wonder there are so many young people without insurance. i totally disgree with attitude of it's cheaper to get the fine rather than pay insurrance. but the 'greedy' insurance companies and poor goverment regulations have conributed to this situation. my son will soon be 17 and i've been looking at cars and insurance for him. even in rural dorset it will cost £1400+ for a 1000cc low spec car on third party. by the time they paid road tax it costing in excess of £130 per month, even before fuel and general running costs. For a student or low paid earner that's impossible, unless they get support from the parents. it also means the cars they drive a cheap and possibly dangerous... and never environmental friendly. the goverment aren't interested as they want to encourage them use public transport... what a joke - last weekday bus in our area is at 18:00 ! so what's the answer... regulate the insurance companies, force cheaper insurance, for at least the first year... give the young a chance, don't condem them before they've done anything. then hit them hard if they do... heavy fines and possibly imprisonment... no more soft punishments. support public transport in rural areas, consider speed or engine size restrictions for the young.be constructive in providing solutions... well we can only hope.ps. at the age of 42, i've never made a claim or had a claim against me, never had any points on my licence, and always paid my insurance and tax...

Samantha
I have recently turned 17, so only just started driving. Before i even looked at cars, i was looking at my insurance! to me, its the most important thing! i want to know that if anything goes wrong, then i'll be covered. The people who don't have insurance will tend to be the worse drivers. Increase the fines for uninsured drivers! if you can afford to run a car/bike or whatever, then you should afford insurance as well

craig
ive been driving now for 9yrs my insurance has always been expensive. at the moment i have a saxo vtr and paying just under £600 fully comp my mates girlfriend who has just past her test 3mths a go had insurance quotes on my saxo vtr for £80-90 less than what i am payin. how is that for sexist. i once drove for two weeks without insurance but am a great belever of doing it by the book when it come to driveing my car.

Leigh
I broke my back in 2 places and had to have my left leg amputated above the knee when I got knocked off my motorbike by an uninsured driver. His punishment was a joke - 6 points and £600 fine. The insurance on the bike he was on would have cost thousands for his age so naturally he went for the cheaper of just paying the fine when he got caught. Where's the deterent for not having insurance?

Anon
I got caught for driving without insurance when someone crashed into a car I borrowed while I was waiting at the traffic lights...talk about bad luck! Thing is I did have insurance but I didnt know my full comp policy didnt cover me to drive other peoples cars!!!!! Long and short of it is the police didn't give a ****, I still got fined £200 and got 6 points on my licence. Even when you think youre doing the right thing sometimes it aint right.

SikRik
I got caught on a 125cc motorbike running a red light, with a pillion passenger (which i shouldn't have been carrying) with no insurance. In the end i got a fine for £147.00 ONLY!!!! Now thats cheaper than a monthly payment to some insurance companys!!!!

Sean
I have never driven without my insurance... I have never been in an accident with an uninsured driver... But the penalties for uninsured drivers are not so hard as should be also I think it's so stupid that two million UK drivers don't have insurance. What an idiots!!