The legacy of a government obsessed with hammering the motorist is that up to one in four motorists don't bother with insurance.
There are multiple benefits to this depending on how criminally daring the motorist is. Having no insurance saves £10K if you're 17 and drive a golf GTI, and if you drive someone else's car you can park where you like and get free fuel if you're into that kind of thing.
The other opportunity is to get insurance and crash a lot - ideally with 'whiplash'. When the police finally catch up with you which is never in some cases, you might have to pay £3 per month for a couple of years leaving you to concentrate on your illegal taxi business.
All this has led to fears of a so called insurance 'death spiral'. As less people bother with insurance, premiums of honest drivers go up with effectively 4 drivers insuring every 5 cars. As premiums reach record levels even less drivers can afford insurance and so on until the Duke of Westminster will be insuring everyone in London - paying £1B a year to drive around in a Toyota Prius.
An AA spokesman said "In some parts of London the cars resemble the smashed up 'bangers' of eastern Europe - since there is no 'crash' insurance for any of the cars involved."