i've always maintained that they should charge you a premium and then you are covered until you make a claim

once you've made a claim then after that you get charged based on your risk

all this "every year" bollocks is just a simple way to fleece money from you while no one gives a shit nowadays if you've got it or not as they do a runner if they arn't insured and even if you catch them you are still fucked as there's no one to claim the money off of and you get a fault claim against you