There are several reasons why it is a very bad idea to drive without proper car insurance. First and foremost, it is illegal; if you drive without insurance you are liable to a penalty.
It may seem like a good idea at the time to save yourself a considerable amount of money by failing to take out insurance cover for your vehicle. You may of course drive around for a long period without being involved in any kind of accident or being stopped by the police. However, it is certain that in the end, one of these two things will definitely happen.
The idea of car insurance is that you take out a policy, and hopefully you will never need it. Therefore, it may seem like a waste of money, but car insurance is there to protect you and others, should you be involved in a minor or serious accident.
So you may be lucky and drive around for let’s say two years without ever having even a near miss. But then, you get involved in a minor bump. Now you will become liable for those legal penalties.
Moreover, of course, if you have damaged another vehicle property, it is likely that you will be facing a civil suit for damages. If you cause an injury to another person, while driving without insurance, you could face serious criminal charges. For which you will have no insurance cover to pay for your legal costs. Don’t forget, that addition to all of the above, you have no insurance for your own vehicle. Therefore, there will be nobody to pay for the repairs, or if it’s written off, to replace it with a new car.
In addition, even if you do get away with driving an extended period, without incident, the insurance company will want to know why there is a gap in your insurance record. You could of course lie and say that you have not been driving. Again, this is a huge risk as if you make any false statements on your application. Insurance company will not pay out if you have an accident. If you are driving without insurance, it is more likely that you will actually have an accident, as you are liable to be permanently looking in the mirror to see if there is a police car behind you. The police do not legally have to catch you driving to prove that you are committing an offence. They merely have to prove that the vehicle itself has been used on a public road without proper insurance cover.
There is no legal defense that allows you to claim they you were unaware that you need insurance, or that you posted of your payment, but never received the documents. Or any other claim to indicate that not having insurance was somehow an oversight is not permissible in law.
In the end, driving without insurance will definitely cost you more than, if you had taken out even the cheapest, and most basic third party cover, in the first place.