2m warnings issued to uninsured and unlisted vehicle owners

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More than two million warnings have been sent to vehicle owners who are not listed on the Motor Insurance Database (MID).

Anyone who owns a vehicle either needs to insure it or declare it off the road using a Statutory Off Road Notification (SORN).

When your vehicle is insured or SORN, its details are automatically added to the MID since 2011 and the introduction of the Continuous Insurance Enforcement (CIE) rules.

The CIE rules were introduced to combat levels of uninsured vehicles in the UK which are estimated to kill 130 people a year and injure 26,500 annually.

According to research by the Motor Insurers’ Bureau (MIB), uninsured riders and drivers are five times more likely to be involved in road accidents, to flout road laws and be involved in criminal activity.

Since the CIE has been introduced, insurance costs for vehicle owners in the UK have dropped by 40 per cent from premiums paid in 2008.

There has also been a fall in claims being made to the MIB against uninsured and untraced riders and drivers.

The punishments

While this reduction in claims against uninsured vehicles has been attributed to the CIE rules and the issuing of Insurance Advisory Letter (IAL) warnings, a third of recipients have gone on to receive a Fixed Penalty Notice (FPN).

FPNs are issued when a vehicle continues to be either uninsured or unlisted, costing those who fall foul of the CIE rules £100 if their vehicle is not declared off the road.

This can then lead to vehicles being clamped, seized and destroyed, as well as court prosecution and a fine of up to £1,000.

Punishments for being uninsured are more severe with vehicles immediately seized by police and a £300 fixed penalty issued.

You can also be issued six penalty points and/or disqualified from riding or driving.

On top of the fixed penalty there are also charges to recover your vehicle – something that must be done within 14 days or your vehicle can be crushed and sold.

30 per cent of vehicle owners whose vehicle is seized by police fail to reclaim them within 14 days.

And despite the relative success of the scheme, 60,000 IALs are sent out to vehicle owners each month while around 6,000 prosecutions against uninsured vehicle owners go on each month.

To learn how you can SORN your motorbike, using our guide.

Next page: Making a claim on your motorbike insurance