In the UK car insurance is a legal requirement so might i add...
3. I have to have insurance... it's the law.
That's true but it's been proved that there's literally thousands of people driving untaxed & uninsured vehicles in the UK.* You can't renew your road tax without a valid certificate of insurance so some people don't bother with either. I don't know what would happen if you were involved in an acccident with one of these criminals. They're breaking the law so are therefore criminals but from what I can make out the fines are laughable if they get caught - so once again it's the honest law-abiding people that suffer.
*PS. If a vehicle is untaxed there's no way of tracing the owner if it's caught on a Gatso traffic camera. This means they can break as many speed limits as they like & are above the law.
