The Institute of Advanced Motorists put a request to the DVLA to find that total of 226 803 drivers in the UK have points on their licence for driving without insurance – out of which 31,806 are provisional licence holders and 194 997 are full licence holders who were uninsured drivers.

The age range split is as follows, according to Post magazine:

In the 17-35 age range: one in every hundred people with a full driving licence has points for driving without insurance.

In both licence categories and all age groups men are far more likely to commit this offence;

In the 17-24 age category, men are four times more likely to have points on their licence for uninsured driving than females.

Drivers in the 25-35 age category are most likely to drive uninsured (81,003 with points on their licence), yet drivers over 65 were least likely to have points on their licence for driving without insurance (0.06%, or 3,867 people).

0.44% have been caught driving without insurance who have provisional licences, the data showed.

Institute of Advanced Motorists Chief Executive Simon Best said: “These findings are shocking. Those 200 000 individuals who drive whilst uninsured place the burden back on those who abide by the law through higher premiums and potentially the cost of vehicle repair. The most concerning fact is that this could just be the tip of the iceberg, as these numbers only represent those who have been caught and penalised. Insurance fraud and uninsured driving are also growing problems that need to be tackled through a coordinated approach from enforcement authorities. It is not acceptable that drivers pay up to £70 in higher premiums to compensate for those who ignore the law.”
Car Insurance expert at Money Supermarket, Peter Harrison said: “It’s astonishing how many drivers are still prepared to hit the road without insurance. Not only is it illegal but you could face thousands of pounds in liability, a conviction, six points on your licence and a hefty fine should you be caught out or be involved in a crash. To make matters worse, uninsured drivers cost the insurance industry £500 million each year. Furthermore, insurance fraud adds £39 to the cost of every motor premium and uninsured driving an extra £30 – this is not fair on law-abiding motorists. The cost of insurance premiums will no doubt have influenced the decision from some drivers to forgo insurance altogether. However, the penalties for not having insurance are great, and could even result in your vehicle being confiscated. Although car insurance premiums may appear high, having suitable insurance and proving you are a safe driver will help bring premiums down over time. Not having insurance, and being caught without it, could result in you not being insurable in the future.” To avoid points for no insurance and a significant fine, look at cheap minicab insurance or cheap public hire insurance.