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@M_V
As Kuba says, it'll probably be the finance company charging you rather then the insurance company.
I went and put my insurance on direct debit this year - I don't even know why, the whole thing was under £100, I just thought paying £8 a month or whatever it was would be cool - anyway, I forgot to sign something and send it back to the finance company - £20 fee. My NCB wasn't valid (being used on another policy) so premium went up - £12 fee from the insurance company (ontop of premium increase) and a £20 fee from the finance company to change the direct debit amount.
I'm really not surprised people drive with no insurance or license etc in this country. You could easily buy a car/bike on ebay and replace it every few months when the popo take it off you for less than the cost of insurance, tax, mot etc.