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Road Traffic Offences: Motor Insurance

Asked by Ben Obese-JectyConservativeDepartment for TransportTabled Answered 8 September 2025UIN 72100

The question

To ask the Secretary of State for Transport, what steps her Department is taking to prevent the exploitation of trade insurance policies by motorists to allow otherwise uninsured drivers to drive any vehicle on that policy.

Answered by Simon Lightwood

All drivers must be insured to drive the vehicle they are using and for the purpose it is used for.

The Government takes uninsured driving seriously. Police forces work closely with the Motor Insurers’ Bureau (MIB) to tackle this. This is achieved through Continuous Insurance Enforcement (CIE), a scheme where MIB and DVLA collaborate to identify uninsured drivers and police enforcement on the road.  There is also a national policing initiative known as Operation Tutelage to reduce the level of uninsured driving on our roads.

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