The Motor Insurers' Bureau of Ireland (MIBI) is calling for a radical shift in how we tackle the issue of uninsured vehicles on our roads. They propose a system called Continuous Vehicle Coverage (CVC), which has already proven successful in the UK. This system legally mandates vehicle owners to maintain insurance coverage at all times, ensuring that vehicles are always insured and registered. The MIBI's proposal comes as a response to the alarming statistics: over 211,000 uninsured or unregistered vehicles on Irish roads, a concerning 3.5% rise from 2024 to 2025. This not only poses a risk to road safety but also places a significant burden on An Garda Síochána, who struggle to keep up with the increasing number of uninsured drivers. The current system, where penalties are only applied after a vehicle is caught driving without insurance, is inefficient and reactive. Under CVC, the focus shifts from catching drivers in the act to ensuring that vehicle ownership is always accompanied by insurance. This proactive approach could significantly reduce the number of uninsured vehicles and the associated costs. The MIBI's proposal is not just about reducing the number of uninsured vehicles; it's about transforming the way we approach road safety. By making insurance a legal obligation tied to vehicle ownership, we can create a more sustainable and safer road environment. This system has the potential to not only reduce the number of uninsured vehicles but also to improve the overall road safety culture in Ireland. It's a bold move that could have far-reaching benefits, but it will require careful implementation and public support. As the MIBI Chief Executive, David Fitzgerald, notes, progress is 'flatlining' and further measures are needed. The introduction of CVC could be a game-changer, but it will take time and effort to see its full impact. The challenge now is to convince policymakers and the public of the benefits of this system. The MIBI's call for action is a wake-up call, and it's time for a comprehensive approach to tackling the issue of uninsured vehicles. The future of our roads depends on it.
