Can't pay, won't pay - the uninsured driver

The penalties currently in place for driving without insurance have almost no deterrent value at all; offenders are hard to catch, and the fines imposed are much lower than unpaid premium owed. The panel looks into some possible solutions

The problem of uninsured drivers - is there a definitive answer?

SJ: We have to look at the reasons behind why people don't insure their cars. There is a general perception problem with the industry; many people see insurers as being able to afford to cover the costs. When uninsured drivers are caught, the fines are small and they simply say they cannot afford to pay them.

PO: It really is a mindset for some drivers. When they look at the cost of buying a car, they do not think further than simply