More than a quarter of a million motorists (256,045) across England and Wales were handed penalty points for driving without insurance between January 2013 and June 2015, according to new analysis from Churchill Car Insurance.

The data reveals that 47,873 motorists have been convicted in the first six months of 2015 for driving without insurance.

As of 15th June this year, 921 motorists still hold a valid driver’s licence despite having accumulated 12 or more penalty points.

Two motorists are still legally able to drive despite having 26 penalty points on their licence, attributable at least in part, to driving uninsured.

Currently 150,117 motorists hold an IN10 endorsement on their licence as well as points from another motoring offence(s).

Comparing the estimated number of uninsured drivers on our roads to the number of prosecutions reveals a worrying disparity.

Figures reveal that there are an estimated one million uninsured drivers on the road costing UK motorists around £400 million annually yet prosecutions are nowhere near this number.

Steve Barrett, head of car insurance at Churchill, said: “Uninsured drivers are still a major issue, despite measures put in place to try and improve the situation.  There needs to be greater investment in police resources to check that the motorists behind the wheel are insured to drive the vehicle.

“It’s shocking that someone can have almost 30 points on their licence but still be able to drive. We need to crack down on these irresponsible drivers and put even tougher laws in place to ensure our roads remain safe.”