The offense of driving without a comprehensive and proper insurance policy is one of the most easily committed offenses, but it is also the most important one to avoid a violation. First of all, although you may have a car insurance policy, you may be able to claim that neither the named person driving the vehicle (including you) nor the purpose for which you drive the vehicle applies.
Why do we need insurance?
Car insurance is compulsory in most and all countries. Especially in the UK, it is essential for every driver to have valid insurance coverage for the vehicle as it is regularly controlled by law enforcement agencies. Here is an advice from the police on how to avoid car insurance offences:
Avoid driving if you cannot afford insurance coverage for your vehicle. You risk the following if you get caught while driving without a cover:
- Incurring of endorsements on your license that may affect your ability to secure a job that involves driving a vehicle or even causing you to lose your license altogether.
- Driving without an insurance premium leads to driving bans if they are condemned by the local authorities.
- Criminals receive minimal or massive fines of up to £3000 depending on how serious the offense can be if it endangers life or property.
- A threat of imprisonment is enough to get motorists in the right direction to insure their vehicles.
Things to consider before you finalize a policy
For new and young drivers trying for the first time to take out insurance, this can be confusing. With all the complicated terms, words and guidelines, experienced drivers or speeding solicitor services may need to explain these guidelines in plain and simple language. Nevertheless, when buying a policy there are very important components that must be considered. These are 4 main points to consider:
Think about what type of policy you want – all policies are not equivalent. The three main types are third party fire and theft coverage, third-party coverage and comprehensive coverage. Excess is the amount you contribute to repairing your vehicle during an accident – there are two basic types of excess, compulsory deductible determined by your insurer and voluntary deductible determined by you, the policyholder. Most motorists today can easily distinguish higher premiums from cheaper premiums. So, if you feel like you cannot get a good price from your insurer, keep looking and compare prices until you find a much cheaper insurance. Always check the special conditions (European coverage, may drive other cars, Courtesy car), which are included in your policy, so you do not unknowingly violate any of them.