Millionth uninsured vehicle seized

Top 10 areas where you don't want to be involved in a motoring accident

Posted: 21 August 2012
by Visordown News

What your car probably looks like if you live in Bordesley, Birmingham

THE MOTOR Insurers' Bureau claims that the one-millionth uninsured vehicle has been seized by police.

Bordesley, Birmingham is the worst area in the country for uninsured drivers, with eight times the number of motorists driving without insurance compared to the national average.

Birmingham, Bradford and Manchester are all fighting it out in the top ten, with Birmingham easily the worst area in the UK.

According to Wikipedia, Bordesley is: "An ethnically diverse community with ethnic minorities consisting of 71.1% of the population compared to 29.6% for Birmingham overall. The 25-44 age group represented the greatest portion of all age groups at 27.3%."

Ashton West, Chief Executive at the Motor Insurers’ Bureau (MIB), the body which compensates innocent victims of uninsured and untraced motorists said: “Although we have made significant progress in recent years with the level of uninsured driving having reduced by 30%, we still need to tackle some persistent offenders. That is why we are working with police and community leaders to engage people in these areas and improve their understanding and awareness of the law as well as the consequences.” 

Across the UK, there are currently an estimated 1.2 million uninsured drivers and the West Midlands makes up more than 60% of the top 20 worst postcodes in the country, followed by West Yorkshire making up 25%.

Top 10 areas for people driving without insurance in the UK

Index is designed to represent how over-, or under-, represented the number of claimants in a postcode area is against the national average. 1.0 is the average therefore the higher the number, the more over-represented the region is, and below 1 is under-represented. Bordesley is 7.9 times higher than the national average.

Ranking

Postal District

Approximate Postal District Name

Police Area

Index

1

B  9

Bordesley, Birmingham

West Midlands

7.9

2

B 10

Small Heath,Birmingham

West Midlands

7.0

3

BD 9

Fritzinghall and Heaton, Bradford

West Yorkshire

6.6

4

B 18

Winson Green, Birmingham

West Midlands

6.5

5

BD 8

Whitefield, Bradford

West Yorkshire

6.5

6

M 12

West Gorton, Manchester

Greater Manchester

6.5

7

B  8

Saltley, Birmingham

West Midlands

6.2

8

B 11

Tyseley, Birmingham

West Midlands

6.0

9

B 21

Handsworth, Birmingham

West Midlands

5.8

10

B  6

Aston, Birmingham

West Midlands

5.7


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Discuss this story

What does 'copared' mean? :)

Posted: 21/08/2012 at 12:25

I can understand why. The whole insurance thing is a racket. They are all very happy to take our money but find every which way they can to pay out as little as they can - or pay nothing. They only insurance that I take out is the one that I legally have to - i.e. motor insurance and even then I take out the minimum legal requirement. "What if your bike gets stolen or trashed" I hear you say. Its all about risk - probability and consequence. Count the number of years between total loss of your bike and then compare that with the cost over the years for fully comp. That's what the insurance companies do. Its just not worth it. Otherwise why are they in busines?

Posted: 21/08/2012 at 14:40

whitecraw - I totally agree.
Insurance is a massive scam (or series of scams). Some legal, some operating in some dodgy grey areas but all scandalous.
Third party motor insurance is a legal requirement. It should therefore be tightly regulated to relieve corporations of the temptation to abuse the public.

Posted: 21/08/2012 at 16:03

How many other services do you pay for and not use for the majority of the time. BUT, if you do need to claim it's made as difficult as possible and then you are penalised the following year, unless you paid EXTRA so you don't!

Motor insurance is a total racket, the ones caught fiddling it get a slap on the wrist because it's easier to take money from the legal properly covered people!

Posted: 21/08/2012 at 16:42

As I have now moved to Austria I like the idea they have here... you get handed your number plate by the insurance company so you have to be insured to get the number plate...

As I did live in one of the above areas and can vouch for the amount of cars that were uninsured taxed mot'd etc it was taking your life in your hands going out some time and some of the cars looked like they were ready to fall apart... it amazed me how some of them stayed on the road... and to be honest some of the people in that area didn't even have a drivers license. And your right it was a gentle slap on the wrist etc and that's it...

As to Insurance your right in the UK its crazy not so great over here to be right though but at least I pay a lot less than in the UK... for what I ride.

Posted: 21/08/2012 at 17:33

I don't know why they don't follow South Afric and a few other Countries example. Fuel price includes standard 3rd party and road tax on all vehicles. If you want full comp you buy it also.
So the more you use the road, the more you pay, easy.
Now wheres my knighthood.

Posted: 21/08/2012 at 18:45

Its a cultural issue, ethnic minorities may come from countries where you might not even need a licence to drive and where bribes can take the sting out of any potential legal consequences.

While most people drive with all the correct documents something like confiscating and crushing cars needs to be done to get the message through.

Here in Peru the obligatory 3rd party insurance costs 35 quid for cars and 140 for motorbikes...

Posted: 21/08/2012 at 19:23

Born and bred in Birmingham and I can tell all that do not know that all the suburbs of Birmingham in that list have one thing in common, they are all 'ethnically diverse' as the BBC would say.
Course it could be an unfortunate coincidence.

Posted: 21/08/2012 at 19:40

Well before this turns into an EDL thread. I've been hit twice by uninsured white British men. Takes all types.

Posted: 21/08/2012 at 21:03

Thing is, once you start down the illegal route you might as well go the whole hog.
Buy an old banger at £300. End of cost. Or...
Buy something likely to pass MOT, £1000. Spend £300 to get through MOT. Spend £240 on tax. Spend £300 on insurance.
Uninsured person is 5 times better off and has probably diverse ways of avoiding legal proceedings. Being honest doesn't pay anyone except the scamera vans.

Posted: 21/08/2012 at 21:45

I take out the minimum required insurance on my car, it's a 19 year old Peugeot worth about £300 so third party only is quite enough and costing about £120 a year seems about right. My bike on the other hand has fully comp but that may be reduced to third party fire and theft if I keep it longer than say 5 years and it's value drops and should I keep it longer third party only could well be an option..I hate the idea of putting money in the pockets of insurance company share holders. I go for the cheepest house insurance I can find while still retaining a decent amount of cover but seeing as I have no dependants I refuse to take out life insurance, seems a waste of money to me.

Posted: 22/08/2012 at 08:41

I've got an 1995 Merc Estate worth a max of £1000 and the best quote I can get is £450 - there's sod all difference between TPFT and FC. No wonder so many people can't be bothered to run around insured.

Posted: 22/08/2012 at 09:24

NCB, protected NCB, legal cover, its all a scam.

As I am old and have about 100 years of no claims bonus, I pay to protect it but when someone hit me the other year they still put my premium up the following year so what the fuck was I paying for?

Posted: 22/08/2012 at 09:32

And another thing. I had a bike stolen a few years back. The lost adjuster valued my claim and couldn't wait to pay me. That's good service I thought. But no.
It turns out I had slightly under valued my bike. The bike was recovered with minimal damage. I found out that the insurance company sell written-off bikes at auction to a third party at a fraction of its value. It is then shipped out to somewhere like Spain where the 'cat D' or whatever is not recorded and sold for a tidy profit. Then they put my premium up.
Insurance companies claim that they don't make any money on motor insurance - yeah right - maybe not in the official figures but unofficially they make a profit every time they cough or fart.
Then there's the courtesy car scam... oh don't get me started.

Posted: 22/08/2012 at 09:41


TH
I was hit (very slowly) by a white van last year. Luckily for me it blue lights on the top.

Posted: 22/08/2012 at 18:34

Had a chip in my windscreen that i got fixed, it then shattered 3 weeks later.

My insurance included windscreen cover so "it wont affect your no claims bonus Mr Jones"

well imaging my surprise when my insurance had gone up the next year. I phoned the insurer to ask why...

It was because I had made a claim for the windscreen, "but i was told it would not affect my NCB" I protested.

"that's right Mr Jones, your NCB is unaffected. But your premium has increased because you have made a claim"

RAAAAAGGGGEEEEEEE

Posted: 24/08/2012 at 09:38

PUT the cost of tax and a round figure on insurance on fuel take vat off.

Posted: 30/09/2012 at 09:03

It is full of scams and it needs regulation, but I don't think including insurance costs in fuel price is valid. I'm 33 and ride 10k+ miles per year, in all conditions and have had fewer accidents than the national average 45 year old that rides 2.5k miles per year and has to re-learn half of it every spring. If the cost was included in fuel prices I'd pay paying 4 times as much just for weekend warriors to be scraped off the roads...

Posted: 27/10/2012 at 16:41

Tappy - the point is everybody would be paying their share so in effect it should not need to increase much. and it is totally fair in that it it completely relative to both distance driven and type of car.. Most performance or large vehicles guzzle fuel.

At present we are being completely ripped off for insurance, and adding a percentage to the fuel may reduce some of that ripoffage because it applies to everyone.

Posted: 06/08/2013 at 13:37

On another note It pains me to see cars crushed for offenses. Why destroy a whole supply of already manufactured secondhand parts that could be sold off cheap to other motorists, or auction off the cars entirely for cheap thus helping to fund the whole insurance void when people are a victim of an uninsured driver, rather than just contributing to scrap. It's like when the mini-moto flavour of the month was in and they were chopping perfectly good machines in half for motorised-transport on a public footpath violations. What a waste.

A majority of those bikes could have simply been donated to mini-moto circuits and helped young budding motorsport enthusiasts across the country.

Man I hate senseless waste

Posted: 07/08/2013 at 10:39

Talkback: Millionth uninsured vehicle seized



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