Ms Moyagh Murdock:

Yes. Approximately 15% of crashes in that five-year period involved uninsured drivers. Some people would cite motor insurance costs as an issue, but we have found there is always a multiple of road traffic offences involved. The drivers are uninsured, they do not have an NCT, they may be disqualified and they may already have motor offences on their record. It is a combination of people who genuinely cannot afford motor insurance or people who have already had multiple crashes previously and they cannot get insurance so they continue to drive uninsured.