insurance

More than 1,400 motorists are allowed to drive with at least 12 penalty points on their licenses yet - and a driver still behind the wheel despite 36 penalty points.

Official figures show the extent of illegal driving and how the courts deal with offenders. Around 500,000 motorists picked up points on their licenses for driving without insurance from the year 2010 until the 2013th

Of this number, 1,414, despite having at least 12 penalty points, some of which are issued for driving without insurance valid licenses.

Hefty potential fines, penalties and bans seem to do little to deter drivers without insurance.

Offenders represent a fixed penalty of £ 300 and six penalty points on their driving license.

If the case goes to court, the maximum penalty is £ 5,000 and disqualification from driving, but judges and judges seem reluctant to impose substantial fines.