A stark new warning has been issued to motorists across England, revealing that an estimated eight million drivers are on course to break the law this December by driving without valid insurance.
The Festive Insurance Gap
The research, conducted by car insurance provider Tempcover, highlights a dangerous trend set to peak over the Christmas and New Year period. It suggests a significant portion of the driving population may take the risk of getting behind the wheel uninsured, often with good intentions but with illegal consequences.
When questioned on their motives, a concerning quarter (25%) of those likely to drive uninsured believed it was a preferable alternative to allowing someone who had been drinking alcohol to drive. Furthermore, a widespread misconception is fuelling the problem: 37% of these drivers wrongly assume their own comprehensive policy automatically covers them to drive other people's cars, a benefit now rarely included in standard policies.
Convenience vs. The Law
For many, the decision stems from a perception of hassle and an awareness gap. A common sentiment among drivers is that arranging cover for a short-term period is simply 'too much hassle'. This mindset is leading to risky behaviour, with one in five admitting they are likely to drive a friend or family member's car without the correct insurance during the festive break.
Jake Lambert, a temporary car insurance expert at Tempcover, emphasised the seriousness of the situation. "The festive season can bring unique pressures but even with good intent, those moments of convenience cannot override the law," he stated. He was also keen to clarify a critical point: "It’s crucial to remember that legal cover does not permit drink driving; this is a separate criminal offence that risks lives and carries severe penalties."
Severe Ramifications and a Simple Solution
The consequences of being caught driving without insurance are severe and long-lasting. They are not limited to a simple fine. Offenders face significant financial penalties, penalty points on their licence, and future complications with obtaining affordable insurance. The law applies even for the shortest of journeys, measured in mere feet.
However, Lambert points out a straightforward and legal alternative for those needing to borrow a vehicle. "When it comes to borrowing a car legally for a short term period - there is a solution. By taking just a few minutes, you can secure legal cover, protecting yourself and other road users," he advised.
He highlighted that services now offer instant, fully comprehensive temporary insurance 24 hours a day, every day of the year, for periods as short as one hour. This provides a safe, legal, and convenient way to manage festive travel needs without falling foul of the law.
