One in every 13 private vehicles on Irish roads uninsured, says MIBI


The level of uninsured driving in Ireland is becoming “problematic” according to the Motor Insurers’ Bureau of Ireland (MIBI).

It says one in every 13 private vehicles on our roads are currently being operated without insurance. 

The MIBI were speaking after conducting a new analysis which revealed that the number of uninsured private vehicles in Ireland reached 174,177 in 2021, a jump of more than 23,000 vehicles since 2018. 
This represents 7.8% of the 2.23 million private vehicles in the overall fleet in the Republic of Ireland. In comparison there were 150,910 uninsured private vehicles that were on the roads in 2018.

The MIBI is calling on the Government to pass the Road Traffic and Road Bill, which it says, will empower the further rollout of the Automatic Number Plate Recognition (ANPR) system.

This system and the underlying Motor Third Party Liability insurance database, allow An Garda Síochána to identify uninsured vehicles simply by scanning their licence plate.

The penalties for vehicles found without valid insurance include An Garda Síochána having the power to seize the vehicle on the spot, as well as other significant penalties such as an automatic court appearance, five penalty points and a substantial fine.  
In the case of any accidents involving uninsured drivers, the MIBI said it will pursue the driver for costs under their right to recovery.

In 2021, the average costs involved in such claims paid by the MIBI, where a victim was injured, reached €78,736.  

“What this analysis shows is that the level of uninsured driving on Irish roads is becoming increasingly problematic,” said David Fitzgerald, Chief Executive of the MIBI.

“The number of uninsured vehicles is growing and that trend needs to be stopped. Uninsured driving is against the law and it also makes our roads more dangerous.”

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