What Would Happen If You Had No Car Insurance?

2 Mins read

We all know that insurance is one of those costs that all car owners need to pay. It’s a legal rule in the United Kingdom, and in most countries around the world. But the ugly truth is that, in Britain, one in 200 people on the road do not have valid car insurance!

The DVLA last year revealed that drivers between 25 and 35 were more likely to have no insurance. One in 100 drivers between the ages of 17 and 25 are driving on Britain’s roads without car insurance.


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Have you ever thought about driving your car without insurance? A lot of people do this. It’s usually because they can’t afford to insure their cars. There are also the rogue elements of society that drive uninsured cars in connection with other crimes.

I wouldn’t recommend driving your car without insurance. But if that’s something you decide to pursue, here is what you can expect to happen to you and your car!

You won’t have insurance cover if you have an accident

Uninsured drivers get involved with car accidents. A lot of the time, they are usually to blame for the accident.

If you have an accident, you will have to pay for your car repairs. You will also be liable for the repairs on other cars involved too. If you had insurance, your policy would take care of any third party repair bills. And if you had comprehensive cover, your insurance policy will pay for your car repairs too.

The penalties outweigh the benefits of having no car insurance

Another point to think is the financial and legal penalties involved. The law takes a dim view on people that drive their cars without insurance.

You can expect to face:

  • A fine of up to £5,000 for driving without valid insurance cover;

  • Driving licence endorsements of six to eight penalty points;

  • A court-imposed disqualification from driving.

Other problems associated with no car insurance

You might think that you already have enough to deal with if you get caught driving without car insurance. But that problem can also lead to other major problems for you:

  • Loss of earnings – if you need your vehicle for work, you might end up losing your job;

  • Expensive car insurance – penalty point endorsements stay on your driving licence for up to four years;

  • Relationship breakdowns – many people get dumped by their partners and spouses. Usually for their complacency and lack of morals;

  • Your car might get destroyed – the law has the power to have your car crushed because you drove it without insurance.

How to avoid driving with no car insurance

It seems obvious, but the first thing to do is make sure your car has valid insurance cover! Is the insurance too expensive for your car? Check out for a replacement that is more insurance-friendly.

Finally, make sure that you are using insurance comparison websites. and Go Compare can help you get the best car insurance deals.

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