eNewsletter 12, 9 December 2014

No-one is above the Law

A lot has happened in the world of Continuous Insurance Enforcement (CIE) since we launched the process to manage and enforce The Motor Vehicles (Insurance Requirements) Regulations 2011. Prior to this important legislation change, a driver had to be seen by the police to be using an uninsured vehicle in order to be prosecuted for not having motor insurance. The 2011 legislation changed the motor insurance landscape forever by making it illegal to be the keeper of an uninsured vehicle.
 
40 months have passed since the first Insurance Advisory Letter (IAL) was posted from MIB in June 2011 and two million IALs have been issued since then. An IAL alerts a motor vehicle keeper that they appear to be non-compliant against the CIE legislation, i.e. they have a vehicle registered in their name that appears to be uninsured.
 
CIE has made a significant impact to the overall reduction in uninsured motoring in the UK. In the ten years since MIB announced its aim to reduce uninsured motoring by 40%, MIB has become the champion of the honest motorist and uninsured driving levels have halved. CIE has played a major part in driving that reduction in the last three and a half years. The combined efforts of CIE and the tireless hard work of the UK police in tackling those seen using a vehicle without insurance, alongside dedicated media campaigns have paid substantial dividends.
 
Since June 2011, MIB's contact centre has taken calls from 160,000 vehicle keepers who wished to discuss their options and almost two million insured vehicles have been added to the Motor Insurance Database (MID), many as a result of the CIE process which prompts uninsured keepers to comply with the law and purchase insurance. CIE continues to contribute to the accuracy and completeness of the MID by ensuring any errors are identified and corrected quickly by insurance providers to minimise unnecessary inconvenience to compliant keepers.
 
In three and a half years, CIE has proved itself to be a highly effective way of alerting motorists to the repercussions of driving uninsured as well as a great leveller. We've sent IALs to motorists from all walks of life from bin collectors to Baronesses, farm hands to premiership footballers and everyone in between. No-one is above the law.