I believe the best system for 3rd party liability cover is a government scheme, where you get cover with the tax disc. The government would levy an additional amount that would take some account of owners age and the performance rating of the vehicle, but would be at a fair rate. If you then don't have tax disc or sorn is not made, the government should then have the right to confiscate the vehicle to sell and help fund the scheme.
The government needs to give the Police more powers/funding to take uninsured drivers off the road. Having 1 in 5 younger drivers who are uninsured is not acceptable.
Huckster