Data taken from the Motor Insurance Database (MID), the central record for all motor insurance policies in the UK, was systematically compared with vehicle records from the DVLA in order to identify motorists who appear to have no car insurance. As a result, thousands of uninsured drivers have been sent warnings referred to as Insurance Advisory Letters (IAL).
Motorists are being warned by the IALs to either get their vehicles insured or otherwise make a SORN (Statuary Off Road Notification) to the DVLA. Drivers who still do not obey these warnings, which usually amounts to a third of all such motorists, will face a fine of £1,000 and the possibility of court prosecution in addition to a fixed penalty notice. Drivers could also see their vehicles seized and even crushed.
The Motor Insurance Database’s Head of Enforcement Neil Drane said that uninsured drivers cannot hide as vehicles without insurance can now be easily identified via data. He added that automation together with ongoing efforts by police have seen the number of uninsured British drivers fall by as much as 50% over the course of the last decade.
Innocent motorists are affected by the problem of uninsured drivers every year, as people who are victims of uninsured or untraceable drivers cannot get compensation from the Motor Insurance Database and the bill then has to be paid for by law-abiding drivers’ insurance premiums.