Peers call for insurance windscreen discs in UK vehicles

Support for insurance windscreen discs to be placed in vehicles in the UK has been growing, with a group of peers led by Baroness Oppenheim-Barnes spearheading the movement, it was recently reported.

There is precedent for such a system, the Conservative Baroness remarked, in that French motorists are required to display a pink disc on their windscreens that contain their motor car insurance information, which makes it easy to see whether the motorist has valid cover or not at a glance. Law enforcement personnel would find it quite easy to simply perform a visual inspection to determine if someone was driving without proper insurance, the Baroness added, and could lead to a crackdown on the number of uninsured motorists plaguing the UK.

Accidents caused by uninsured drivers can be incredibly expensive, with the costs incurred by an uninsured motorist absorbed by the Motor Insurers Board, which is funded collectively by car insurance companies that then need to raise their car insurance rates to recover their increased costs. A reduction in the number of uninsured drivers would lead to less overall cost for the insurance industry in general, leading to the possibility of lower premium prices for consumers.

As a solution to the insurance problem, the windscreen disc is a ‘sensible’ idea, according to Earl Attlee, who spoke for the Government at question time in the House of Lords. However, if a motorist ceased paying their premiums, the discs would no longer be an accurate way to determine the validity of a driver’s insurance cover, cautioned the Earl.

There are approximately 1.2 million vehicles that are being driven without insurance in the UK currently, according to official figures. Reports have emerged that the new ‘continuous enforcement’ legislation introduced last year has had a positive effect on the number of uninsured motorists, as drivers who do not obtain a statutory off-road notice for their off-road vehicles can face fines of £100.

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