A new law of 'continuous insurance enforcement' could trap thousands of motorists who have not bothered to insure their vehicles.

The new law means that anyone who has a vehicle but has not insured it will get a series of letters advising them to take out cover.

If they ignore these letters, they will be liable to a penalty notice.

As the advert says, 'no iffs, no buts'.

If a vehicle is unused, off the road or garaged, motorists will have to fill in a statutory off road notification (SORN).

Graeme Trudgill, from the British Insurance Brokers' Association (BIBA), said that his organisation had been working with the department for transport on uninsured driving publicity campaigns which he expected to start in about a year's time.

The new system has a database of all vehicles, able to crosscheck their insurance status.

"You can't just have lots of vehicles and not tell anybody what you're doing with them," Mr Trudgill added.

It is estimated that uninsured driving costs honest motorists over £500 million each year or around £30 on each insurance premium.

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