There are a number of reasons people risk getting behind the wheel without car insurance, according to the Association of British Insurers (ABI). The group claimed around one in 20 motorists hit the road without the necessary cover.
A spokesperson from ABI said many uninsured drivers are convinced they will get away with it and in some cases, even when people do get caught; the penalties are disproportionate to the crime.
When asked if the current economic downturn was to blame for the high number of motorists breaking the law, he stated: "The fact of the matter is that before the credit crunch even seeped into English language, there were plenty of uninsured drivers out there."
However, he added the problem was being tackled vigorously at the moment through a number of initiatives. Uninsured drivers are not only flouting the law, but are much more likely to cause a crash. Police forces are using automatic number plate recognition cameras to spot cars being driven without insurance. The officers can then seize and dispose of vehicles being driven uninsured.
The ABI represents the interests of the UK's insurance industry and claims it acts as an advocate for high standards of customer service.