I read last night that 1.6 million drivers in the UK have no insurance. I find that shocking! This morning BBC have said 1 in 5 17 to 20 year olds are without insurance. This particularly gets me riled. My first insurance premium on a 1.0 Fiesta was £2060 plus interest. The second year I paid out over a grand. The third year I got a CTR and paid about the same. So in all I have paid out £6-7000 until now. BUT if my car were to be written off by one of these drivers I would have to claim from my own insurance. I wouldn't lose some no claims as I pay to protect it but I would still have to pay an excess. I wouldn't get enough money to replace my car as it is. All the extras and mods I got on the car would be lost (apart from a few that may be salvaged). And my insurance premiums from then on would be higher. How unfair is that? And how to these criminals get away with it? And why are 1 in 5 parents allowing their kids to drive without insurance?!