Motor cover is falling out of fashion with today’s young people – a group who allegedly account for four times as many RTAs as anyone else.

According to a new report from the Motor Insurers’ Bureau (MIB), one in five motorists aged between 17 and 20 (18 and 19 year olds, then?) is driving (illegally) without insurance.

What’s more the Mibsters found that one in ten of these tearaway tyro tykes has the effrontery to claim “What, it’s illegal to drive without insurance?!” Or words to that effect.

The insurer-funded body claims that 250,000 17 to 20 year olds (we think that’s what they mean) drive without any kind of motor cover. The two-to-three-grand-per-annum cost of insuring the motoring antics of a 17-year old male cited in the report may perhaps offer a clue to the root cause of this problem – that and a flagrant disregard for the law of the land, obviously.

MIB man Ashton West (just outside Bristol we think) says: “Young people make up a significant number of uninsured drivers, and with one in five newly qualified drivers having an accident in the first year of driving they need to make choices based on the consequences of driving without insurance and not just on price alone.”

How does he mean, exactly? How about having their vehicles seized, being fined and receiving up to eight penalty points on their license for starters?

Quoted in The Guardian, Simon Douglas, director of AA Insurance is not surprised but shocked: “I’m not surprised at these figures,” he says, “even though it is shocking to see this statistic confirmed.

“Young drivers are 10 times more likely to be involved in a collision than more experienced drivers,” he continues, offering a shocking statistic of his own. “If they have no insurance, any claim has to be met by the MIB, which in turn is funded by honest insurers.” Honest insurers as opposed to anyone in particular? Maybe he meant honest insureds.

The Guardian’s report offers some salutary comparisons between UKland and its continental neighbours: “The UK has one of the highest proportions of uninsured drivers in Europe,” it claims, “with around 5% of motorists not having a policy in place compared with 0.1% in Sweden and 0.2% in Germany. According to [the] latest government statistics, a third of drivers killed or seriously injured on the road were under 25.”

Bankstone News blames the parents.

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