The number of uninsured drivers on UK roads has fallen by 25% in the past five years, according to the Motor Insurers Bureau (MIB).
However, illegal drivers in the West Midlands and West Yorkshire are holding back progress, with 17 of the 20 worst postcodes for uninsured drivers located in the regions.
Bordesley in Birmingham tops the hotspot list, followed by two other Birmingham post codes, with Bradford in West Yorkshire coming in at number four.
The Association of Chief Police Officers Road Policing lead, Chief Constable Phil Gormley, comments: Today there are 500,000 fewer of these [uninsured drivers] on the roads than five years ago.
There are areas of the United Kingdom however that continue to present a challenge for enforcement authorities.
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Now may be a great time to own a vehicle that burns natural gas. The renewable energy source is currently priced at $1.93 a gallon, according to USA Today, almost $2 less than a gallon regular gasoline.
Natural gas-powered models
Despite the low cost of fuel, only a small number of commercially available vehicles can actually run on natural gas. Honda recently announced it was going to start selling its natural gas-powered 2011 Civic in every state this year, after previously only offering the model to government fleets and individual buyers in New York, California, Utah and Oklahoma. To date, the vehicles aren’t huge sellers – the Associated Press reports that Honda only sells about 1,500 natural-gas Civics a year.
Ford also manufacturers a natural-gas burning car, although it has mainly been sold to taxicab companies at this point.
The cost of comprehensive motor insurance cover rose by an average 12.3% in the 12 months to the end of September, according to the latest Confused.com/Towers Watson Car Insurance Price Index.
However, the rate of increase compares with 38% over the whole of 2010, and the average cost of a comprehensive policy now stands at a mere £843, having risen by only £92 since October of 2010.
Even more encouraging for consumers, premiums have actually fallen in the last three months, with a 1.6% decrease marking the first quarterly drop in comprehensive cover for over three years.
As widely acknowledged, escalating levels of bodily injury claims are a major force in car insurance inflation but despite action on referral fees, Towers Watson director, Peter Lee, is uncertain whether the current state of motor insurers profitability justifies dropping prices just yet.
He explains: Although the economic downturn has reduced claims as a result of people driving less, the proportion of accidents that result in bodily injury claims is still growing strongly.
Confused.com head of motor, Gareth Kloet, is more positive, stating: “The good news for consumers is that prices appear to be levelling out and there is real momentum behind making sure that the legal system creates an environment where conscientious drivers, who make up the vast majority, can get a fair deal from insurers.”
Other key findings from the survey include:
1. Third