Criminal drivers in some neighbourhoods are pushing up the costs of car insurance for honest drivers.
The Insurance Blogger has compared statistics for cash-for-crash scammers and drivers without insurance to reveal that the same post code areas are top the tables for both offences.
The Insurance Fraud Bureau and the Motor Insurers’ Database (two industry organisations funded by insurance firms to help the police) released the statistics.
Car insurance companies say that dishonest drivers are costing other insured motorists an average £80 on the cost of the car cover, and that figure is even more in the worst neighbourhoods for insurance fraud.
Research by the Motor Insurers’ Database (the organisation that holds details of all car insurance policies) pinpoints the drivers most likely to have no insurance as men aged 18 – 26 years old.
Sifting the data also reveals some other facts about uninsured drivers.
At 4% of all drivers, the UK has the highest number of drivers without insurance in Europe. With about 15 million diving licences issued, that’s 600,000 drivers.
Surprisingly, despite passing a driving test, one in ten drivers aged less than 34 years old believe they can legally drive without insurance.
A Bradford postcode tops the league for cash for crash scams and uninsured drivers. Honest drivers living in the area pay up to 58% more for their insurance as a result.
Police confiscated £150,000 of £300,000 owed as proceeds of crime from a former garage owner in Keighley (Postcode BD21) a few weeks ago. The money was calculated as his share in fraudulent claims for accident damage arising from ‘cash for crash’ claims.
Here are the lists of shame for the UK:
TOP 20 POLICE HOTSPOTS FOR UNINSURED DRIVERS
TOP 20 UNINSURED HOTSPOT REGIONS OF THE UK
|Police area||All vehicles||Uninsured vehicles (Estimated)|
Source: Motor Insurers’ Bureau