Say yes to cheaper van, home and car insurance

The British Insurance Broker's Association (BIBA) has declared that the UK's uninsured drivers endanger all other road users and are the main cause for car insurance premiums being so high.

BIBA's accusations come as statistics show that uninsured drivers are eight times more likely to cause or have a road crash and because of this the average person pays £30 extra in insurance premiums.

"The level of uninsured drivers in the UK is beginning to fall but the claims cost is still increasing," said Graeme Trudgill, technical services manager at BIBA.

"That means that the Motor Insurers Bureau is paying out over £300 million pounds a year to victims of uninsured driving and it gets that money from the extra cost that the insurers place on everyone's premiums," he explained.

It is thought that there are currently two million uninsured drivers on the road, but a new police scheme backed by BIBA hopes to get them off the nation's highways.

Operation Foist seeks to find and remove uninsured cars from the road by using the Motor Insurance Database.

By running the car's licence plate number through the system, police can identify uninsured vehicles and impound them. Over 30,000 vehicles have been impounded already and the police are on the look out for more.

"If we can get these drivers off the road then theoretically the cost to the average driver will fall," concluded Mr Trudgill.