Crime and Policing Bill

Debate between Earl Attlee and Lord Ashcombe

Committee stage
Monday 15th December 2025 Lords Chamber

[Lord Ashcombe (Con)]

My Lords, I speak to Amendment 416B, tabled in the name of the noble Baroness, Lady Hayter of Kentish Town, which concerns the issue of uninsured drivers and to which I have added my name, as this is a serious crime. I declare my interest as an insurance broker with Marsh Ltd.

Within the motor industry, it is a regrettable truth that a significant number of vehicles on our roads are being driven without insurance. The Motor Insurers’ Bureau estimates that between 300,000 and 450,000 vehicles fall into this category. That figure alone should give us pause for thought. It represents not merely statistics but a vast unknown risk to every law-abiding citizen. When accidents occur involving these vehicles, there is no third-party insurance to provide protection or compensation. Instead, the burden falls upon the Motor Insurers’ Bureau, which must step in to provide cover where none exists. Sadly, we read of such occurrences all too often, particularly in the local press.

The scale of this problem is stark. The bureau receives a claim arising from an uninsured driver every 20 minutes. Every week, at least one person is killed as a result of uninsured driving and, every single day, another individual suffers injuries so severe that they require lifelong care. This is not a marginal issue but a persistent and devastating reality.

The financial consequences are equally sobering. The bureau spends approximately £400 million annually on claims, with its 2024 annual report noting reserves of around £3 billion. It estimates that uninsured driving costs the UK economy £1 billion each year and adds £260 million to motor insurance premiums. These figures are not abstract. They translate to an additional cost of around £15 on every policy paid by law-abiding drivers. In effect, responsible motorists are subsidising the reckless and the negligent. Anecdotally, when police apprehend uninsured drivers and ask who is their insurer, the response is simply, “The MIB”—the Motor Insurers’ Bureau. This casual reliance on the bureau underscores the inadequacy of current deterrence.

At present, as the noble Baroness, Lady Hayter, has explained, the penalties stand at £100 for keeping an uninsured vehicle and £300 plus six penalty points for driving without insurance. These sums are significantly lower than the average premium of £550 and far below the £1,000 often paid by younger drivers. This disparity is glaring. The penalty for breaking the law is cheaper than the cost of compliance. It is little wonder, then, that uninsured drivers persist at such scale. Ideally, we would strengthen the financial penalties to reflect the gravity of the offence. However, as these measures have been ruled out of scope, as the noble Baroness, Lady Hayter, mentioned, this amendment offers a practical and proportionate alternative. It would empower authorities to confiscate uninsured vehicles and, if insurance is not secured within 28 days, to have them permanently removed from the road. That, to you and I, means crushed—gone. This is not punitive for its own sake: it is a necessary step to protect the public and to uphold the principle that motor insurance is mandatory for the benefit of us all.

Uninsured driving is not a victimless crime. The law-abiding majority should not be asked to carry the burden of those who flout their responsibilities. Amendment 416B is a measured and effective response to this scourge and I commend it.

[Earl Attlee (Con)]

My Lords, just briefly, in 2011, I went out with Hampshire traffic police who were demonstrating ANPR systems to me. We detected an uninsured motorist and they relieved the motorist of the car. I absolutely agree with my noble friend about the problem he describes.