Birmingham is the UK capital city of uninsured motorists with more vehicles without valid cover than anywhere else in Britain (55,142), according to research from Churchill Car Insurance.

However, the chances of being hit by an uninsured vehicle peak in East London, where the probability reaches around one in eight (13.4 per cent).

There are an estimated 1.056 million uninsured vehicles in the UK currently, with more than a fifth (215,970) of those based in Greater London.

Additionally, half of Britain’s top ten uninsured vehicle hotspots are London areas (east, north, south-east, north-west, and east central London).

Behind Greater London, north-west England had the most uninsured vehicles (175,625).

If you were involved in an accident in either Liverpool, Bradford, Manchester or Oldham, there was a one in 13 chance that the other involved in the accident wouldn’t be insured, according to the study.

Considering that having valid car insurance is a legal requirement, the number of uninsured vehicles on the roads was “alarming”, according to Churchill’s head of claims Mark Chiappino.

“Drivers across the UK are paying higher premiums as a result of unscrupulous drivers that fail to insure their vehicles,” he added.

“We are calling for a greater recognition of the risks of uninsured motoring in the UK and far tougher penalties for those convicted of this offence.”