Figures suggest that some banned novice drivers are returning to driving without retaking their driving test. As a result law abiding drivers inevitably end up paying higher car insurance premiums. This article investigates.
(mortgages)
Young disqualified drivers push up car insurance costs for all.
Up to 73,000 novice disqualified could have illegally returned to driving over the past 10 years says a recently published report.
Since the New Drivers Act was introduced in 1997, 160,000 novice drivers have been banned - and eight out of ten of these are aged under 24. This Act automatically cancels the licences of drivers after they have gained 6 or more penalty points on their licence within the first two year after passing their driving test. The strange thing is that government figures show that of these drivers, only about 50% of them have subsequently retaken and passed their driving test. (best loan)
The fear is that many of these drivers have quietly returned to driving illegally without a licence. And experience shows that those who drive without a licence are also highly likely to be driving without road tax or car insurance. And it is precisely this category of drivers who have the accident rates. They have more, and more serious accidents, than any other drivers.
Who ends up paying for these accidents? Law abiding drivers! Two million drivers are thought to be on our roads without insurance. Within the average monthly premium, £30 is costed in to pay out for accidents involving uninsured drivers. So make no mistake, law abiding drivers pay for the destruction caused by uninsured drivers. (loans)
These findings have so distressed Government Ministers that they have commissioned a review of how the law is operating. It is almost certain that changes will be made to the law to plug the loophole and introduce new ideas to encourage novice drivers to drive safely and within the law.
