Over 14,000 drivers banned from driving after simple insurance mistakes

Martin Lewis says 2.3 million UK driving licences are out of date

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A Freedom of Information Act request to the DVLA sent by insurance experts MoneyShake shows more road users are punished for not having the right cover than on driving ability. A total of 14,512 drivers were instantly banned from the roads for not having the correct cover between 2017 and 2021.

This is compared to just 13,900 who lost their freedoms due to driving dangerously and putting others at risk.

GOV.UK confirms it is illegal for road users to drive a vehicle without at least having third party cover in place

They warn even if the vehicle itself is insured, road users could still be penalised if they are not insured to drive it themselves.

This is likely to result in a fixed penalty of £300 and six penalty points.

However, in some extreme cases drivers could receive an unlimited fine and be disqualified from driving.

The police could also seize or destroy the vehicle which has been driven uninsured.

Experts at GEPP Solicitors have warned driving without the correct insurance is “risky” as drivers were “likely to get caught”.

They said: “If you are the driver, you must be named on the insurance. It is not enough that the car you are driving is insured.

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“If the insurance is in someone else’s name, you will be committing an offence.

“Driving without insurance is risky because the presence of Automatic Number Plate Recognition cameras means you’re very likely to get caught by the police.

“If you are caught driving without insurance, penalties include receiving a fine and points on your licence, and you could be taken to court, convicted of an offence, and banned from driving.”

However, there is no explanation as to what dangerous driving could constitute with penalties being issued for a wide range of driving related offences.

The DVLA data shows over 192,000 lost their licence over the last four years for drink driving.

Meanwhile, over 68,000 also received driving bans after getting behind the wheel under the influence of drugs.

Just over 31,500 lost their licence after driving while they were already disqualified from the roads.

Other reasons why drivers lost their right to drive included speeding offences, car theft and failure to identify the driver.

Almost 5,000 drivers lost their licence due to careless driving with 2,670 said to be involved in an “accident offence”.

According to GOV.UK, a court will decide how long a drivers disqualification period will last for.

This is likely to be for six months for first time offenders or motorists who have simply reached the 12 point limit on their licence.

However, road users are likely to be disqualified for 12 months if they have a second disqualification within three years.

Meanwhile, drivers could be banned for two years for a third disqualification within 36 months.

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