Britons loan cars without insurance

Monday, October 12, 2015


Britons have been loaning their cars to someone not on their insurance policy according to research. 

According to analysis from Churchill Car Insurance, in the last 12 months alone more than five million Britons have lent their car to someone who is not on their insurance policy, with 650,000 of those not even checking if they are legally covered to drive the vehicle.

In the last 12 months when people let someone else drive their car the most popular reasons were to pick up something (13%), such as furniture from IKEA, and loaning their car to someone “just because they asked” (13%).  A further 11% did so because they were over the drink drive limit.   Worryingly, one-in-10 allowed their friends to drive their car so they could commute to work, which suggests that this is not a one-off issue.

Car owners who lend their vehicle to someone who drives it without valid insurance can be convicted of an IN12 offence.  An IN12 offence is technically described as “aiding, abetting, counselling or procuring using a vehicle uninsured against third party risks”.   

Analysis reveals the financial penalties for drivers convicted of IN12 offences have increased by 45% since 2013, with the average level of fine increasing from £187.60 in 2013 to £271.30 in 2015. However, the average number of penalty points has remained static, at six points per conviction, despite courts being able to hand out up to eight points.  Drivers can even be disqualified from driving for this offence.

Steve Barrett, head of car insurance at Churchill Insurance, said: “The scale of uninsured motoring, as a result of people loaning their car to friends and family without checking they are insured, is worryingly high. In the majority of cases this is likely to be an innocent mistake, but whether intentional or not, it is your responsibility to ensure that others who drive your car are insured to do so.”


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