MILLIONS of young drivers admit they've considered Not implementing out car insurance to save cash.
Premiums for less than 25s may cost around lb1,400 yet the fine for being caught is just lb300 and 6 penalty points.
And many appear at first sight pleased to break what the law states and save money in the hope they don't possess a crash or get stopped by police, based on the Motor Insurers' Bureau (MIB).
Men are more likely than women to take an opportunity.
What many don't realise is that if they're stopped in the first couple of years of having a licence, six points is sufficient to have an instant ban.
And if you're caught driving uninsured your motor can be seized – and crushed – by cops, too.
Uninsured driving is a big trouble with approximately a million drivers on UK roads without cover.
And 'hit-and-run' drivers kill around 120 people and injure 29,000 every year.
Insurance premiums for young drivers have continued to increase in recent years thanks to compensation rule changes and government tax hikes.
And plans for any lb1,200 annually cap for young drivers never managed to get past a government debate.
Neil Greig, policy and research director at IAM RoadSmart, said: "I am worried, but not wholly surprised, by these results.
"There isn't any excuse for deliberately breaking the law on insurance and our members do support tougher penalties.
"There is little change evidence however that merely increasing fines and bans will work in lessening deliberate evasion.
"We need to see signed up enforcement, more ANPR cameras and adequate traffic police around to enforce the law."
If you're involved in an accident with an uninsured driver, you are able to claim compensation from the MIB.
The payouts originate from a fund contributed to by every insurer.
That means honest motorists' premiums help to cover the price of those disobeying the law.
Ashton West, MIB leader, said: “We wish to avoid millennials regretting their decisions particularly when it comes to taking a risk on auto insurance.
"Our aim is to get young people talking to each other about the serious issue of uninsured driving."