Motorists trying to save money by failing to take out car insurance are only being bold and reckless, according to RIAS.

The insurer who specialises in cover for the over 50s further warned that not only are the drivers breaking UK law by driving without cover, those found guilty of it could get themselves a criminal record.

Echoing the sentiments, Motor Insurers Bureau said that those dodging car insurance cover could cost law-abiding motorists in excess of £500m each year. MIB says this will total an estimated £30 extra on every premium, so those who drive without insurance are forcing the insured to subsidise their driving.

RIAS Managing Director Janet Connor said: "There is no question that driving without insurance is both unlawful and ill-advised."

She added: "If you are worried about the cost of insurance, it is worth talking to your insurance provider to check whether they are any savings to be made. At RIAS, for example, we specialise in finding tailored insurance solutions for the over 50s, who can often benefit from cheaper premiums because of low mileage, or because their cars are parked off-road or kept in a garage. We advise customers to ensure they ask about discounts and flexible payment plans when they call us for a quote."