And they don't do as much as send you a letter first? Seems hard to believe.

pjc50 · on Feb 28, 2015

Not having insurance is a strict liability offence, and there's now a database (of course) of who has paid up insurance.

moe · on Feb 28, 2015

Not having insurance is a strict liability offence

It's the same in my country.

But if you're late on payments then a normal dunning process begins. Before your insurance turns invalid you have to ignore at least 3 letters over the course of 3 months.

In the UK they just flip the switch when a single payment fails, without prior warning?