Insurers have expressed concerns over a new scheme that allows drivers caught without insurance to avoid a driving ban.
Under proposed laws police will have the option of imposing a fixed £200 fine and six penalty points on offenders. However insurers are concerned the fines were too low, and as a result drivers might think driving without insurance was a risk worth taking.
Simon Machell, claims director for Norwich Union, said: "Although these new rules do provide a recognised structure for dealing with uninsured motorists - which is not the case at the moment - they do not go anywhere near far enough.
"The fine is less than half the current average motor premium, which is about £500 a year. Consequently uninsured drivers will think it's worth their while to drive without insurance and risk being caught."
The pilot scheme, introduced on 1 June, will apply to the 23 police forces across England and Wales.
Offenders who are not handed fixed penalties will be dealt with by magistrates, as before. Those convicted face a fine of £5,000 and six to eight penalty points or a disqualification. A fixed penalty is only an option for first-time offenders.
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