A survey commissioned by a popular price comparison website has shown that men are more likely than women to get behind the wheel without valid motoring insurance. Out of all of the motorists who were questioned as part of the study, 23% of the male drivers said they had driven without insurance in the past, compared with just 16% of women. The same research also threw up a more worrying piece of information as it found that more people are choosing to drive without any kind of insurance. The figures revealed that 33% more motorists than last year are opting out of covering themselves and their vehicle with insurance. In October of last year it was reported that the cost of motoring insurance had reached an all-time high, and now with the added pressure of the credit crunch cutting people’s spending, it appears fewer individuals can afford to cover the cost of insuring a vehicle. The authorities have warned that driving without valid insurance is a very serious offence and those who are caught will be faced with a £200-on-the-spot-fine, and will have 6 points added to their license. It’s an offence to drive a vehicle without insurance regardless of the distance travelled and the police have warned that they are clamping down on those who drive without valid insurance. Personal injury claims are one of the biggest worries for insurance companies these days and with more people choosing to claim on these grounds following an accident, this is having a knock-on effect on the price of insurance for motorists.