Insured Car Drivers Subsidise Offenders

Fact 1: In the United Kingdom 1 in 20 car drivers don't have motor accident insurance.
Fact 2: The average annual motor insurance premiums is loaded by £30 ($55) to cover accidents with non-insured drivers.
Fact 3: Association of British Insurers (ABI) says uninsured drivers are involved in about 50,000 incidents a year.
Fact 4: Uninsured drivers are three times more likely to have an accident than insured motorists.
Fact 5: Uninsured drivers are 10 times more likely to be caught drink driving that insured motorists.

Theory 1: That detection of uninsured motorist is poor.
Theory 2: When an uninsured motorist is caught we don't sufficiently punish him/her.

Have we gone soft!

What must be done?
1. Firstly improve detections. We need insurance disks - similar to road tax disks.
2. Uninsured motorist should be banned from driving for five years.
3. Uninsured motorist should pay a fine that is at least 10 times the value of the total insurance that they have omitted to pay.
4. And if they can't pay then subject them enforced labour camps.
And if they won't work then electricute them somewhere painful.

The government's Greenway Review, set up in 2003 to look at the issue of uninsured drivers, should report in the next few weeks. It's about time. I'll update you when I've read it.