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Should you risk driving uninsured?

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Depending on the vehicle that you drive, car insurance can range between astronomically high and nice and low. Add to this your circumstances such as where you live, your driving history, and your insurance claims history and you have a nice ste of variables that can really affect your premiums. For some people the cost of motor insuirance is so hight that they would rather run the risk of driving without inurance. This in most places is illegal. So what are the risks?

Firstly, you run the risk of landing yourself in trouble with the law. Police son't take too kindly to people that drive without the necessary insurance cover. You will most definitley get points on your licence in the UK and could also face a heft fine which would cost considerably more than the insurance premium in the first place. Secondly, if you are unfortunate enough to be involved in an accident, you will ahve some explaining to do when it comes to swapping details with the other driver. Again you may have to pay out a lot of money to repair both the other driver's and your own vehicle. Thirdly, you may insure someone and end up in court. Covering your own legal fees is extremely expensive. Paying for the other parties fees is expensive too. If you have to also pay damages you will have to shell out a lot of money. Again this will be far inexcess of what the premium would have cost in the first place.

Sometimes people drive uninsured just for a one-off short drive. They justify this by thinking that it is only a very temporary thing and that they won't be caught or won't get into an accident. However nothing in life is certain and they run all of the risks mentioned above. For people taking a test drive, borrowing a friend's car or using a car they normally keep off road just for a day, there is a wide range of temporary insurance available. You can even insure a car for just one day. Costs for doing this are not proportionate to taking out a year's insurance, i.e if you multiplied the cost of 1 day insurance by 365, you would have a very large premium to pay, but when using the insurance for just one day, the cost is reasonable. However, for insurers as the risk to amount of money they receive ratio is quite high, there may be conditions applied or high excesses to pay, so as with all financial products, make sure you read the small print.

Another option for those wanting temporary insurance is to contact their existing insurer and enquire how much it would cost to be placed on the insurance of another vehicle for just a day, or a week. This is often an economical way of doing it and you can also use your no claims bonus in many cases. It is also worth finding out from your existing insurance company if you can drive another car with third party cover on your existing policy for no extra fee.

To insure or not to insure. The message seems clear. It pays to pay the premium. To risk driving without insurance is just not worth it. So finally what if you are one of those people who just can't get or can'tt afford the insurance? Well you could always try public transport or shanks' pony. Think what you will be doing for your pocket and for the environment.

Drive carefully - Be Safe

Article Source: http://www.moneyarticlelibrary.com

www.1day-carinsurance.co.uk


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