Why is car insurance mandatory?

Like it or not, car insurance is a necessary cost. Depending on your level of cover, it can help with claims for damages to other people, their property, you and your car. 

Let’s take a closer look at why car insurance is mandatory, why you need it, and what would happen if you drove an uninsured car. 

Daniel Hutson From the Motor team
minute read

Why is car insurance mandatory?

In 2016 there were 181,384 casualties involved in road traffic accidents on Britain’s roads. Of these, 1,792 were fatal. These figures alone explain why car insurance is mandatory.  

Car insurance is designed not specifically to protect you from the financial costs of an accident, but to protect the medical and financial interests of anyone you may crash into.  

Imagine being involved in an accident that wasn’t your fault, only to be left with medical costs and repair bills. Car insurance gives all drivers and road users the peace of mind that should the worst happen, their financial costs are covered. 

Why is car insurance mandatory?

What would happen if I drove an uninsured car?

If you’re caught driving without insurance, you could get a fixed penalty of £300 and six points on your licence. If your case goes to court, you could face an unlimited fine and be disqualified from driving altogether. The police also have the authority to seize the car and even destroy it, in the worst case scenario.

The only time you don’t need to tax or insure your car is if it is off the road and not in use, in which case you need to apply for a Statutory Off Road Notification (SORN)

Once your car has been declared as SORN you must not drive, or even park it on a public road. It must be kept on your driveway, private land or in a garage. 

How can I compare car insurance?

When it comes to car insurance there are many options available, so it pays to shop around.  

Our price comparison service helps you to make an informed decision, so you can find the right level of cover to suit your needs and your budget.  

Compare quotes in a matter of minutes and see if you could start saving. 

How can I compare car insurance?

Looking for a quote?

Compare car insurance in minutes to see if you can save

Get a quote