If you were not insured, the MIB will not pay out. If there were any witnesses to the incident, ask them for their contact details as they may be able to help the police or your lawyers in any later investigation. If you make a claim for an accident that is not your fault and the other vehicle is uninsured, then you won’t lose your no-claims discount and Direct Line will refund your excess. The MIB’s own figures state that 3 people every hour are injured by an uninsured or untraced motorist. What if you did not have valid insurance? The MIB handles over 20, claims against uninsured and untraced motorists every year, and also works with government and police forces to tackle the problem of uninsured drivers.

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A lot of the provisions are regarded as onerous. However, this does not mean uninsuured cannot sue the other driver direct. Call us on It is a defence to this argument to show that having become aware the vehicle was stolen, unlawfully taken or uninsured, there was no opportunity to alight from the vehicle.

The UK has one of the worst records in Europe for uninsured driving, with an estimated one in twenty cars being driven without the correct insurance. If you wish to make a claim against the MIBwe suggest you speak us first to ensure you have a valid claim and have followed all the necessary steps.

If you are not careful you uninsuree end up spending a lot of time and money getting nowhere, or even ending up with a bill to pay the other side. You should only be doing this if you know what you are doing or you are represented by someone who knows what they are doing.

We’re here to help you with your Road Traffic Accident Injury Claim

If you have been involved in an accident with an uninsured driver, you need to consider an uninsured driver claim. Caroline Flack Caroline Flack reveals West End transformation for ‘hardest thing she’s ever done’ The Love Island presenter has stepped out of her comfort zone but has loved every minute.


In addition, the Road Safety Act provides harsher sentences for those who kill or are involved in accidents while driving uninsured. You must report the accident to your insurer as soon as practicably possible.

But unless you know what you are doing, or are legally represented, we do not recommend this course of action. What if you were in a stolen or uninsured car?

If you make an ‘at fault’ claim and lose your no-claims discount, then unjnsured next renewal premium could leap dramatically and stay higher for at least three more years. Have a quick check to see how much you could be owed using an unijsured calculator. In particular, if proceedings were issued just before limitation it is unlikely that this option would be available. To act on behalf of a driver, they require a signed mandate authorising them to do so. Get it wrong and it could be an expensive mistake.

The strip originally ran from to Uninnsured, a domestic regulations insurer is unibsured as substituting for the MIB, rather than as a normal road traffic insurer. If you’re involved in an accident with an uninsured vehicle and forced to claim on your own insurance, then the MIB will compensate your insurer for the costs of your claim. If you have ‘fully comp’ insurance, then you should claim against this policy for repairs. Call us on to discuss your MIB claim.

An insurer may be able to invalidate an insurance policy, but in that case they would still have to pay out as insurer of the vehicle under what is known as the Domestic Regulation Agreement. Despite this insurers often seek to tell Claimant’s they have withdrawn cover and will not pay out.

Subrogated claims will not be paid by the MIB. Many people do not realise that if they are involved in an accident with an uninsured driver or untraced driver, they are entitled to claim compensation from the Motor Insurers’ Bureau MIB. The obligation on the MIB is to settle any judgment obtained against an uninsured driver and to settle valid untraced driver claims.


uinnsured Gatwick Airport Fingerprints found on damaged drone near Gatwick Againwt are ‘unknown to police’ as detectives no closer to finding culprit behind Christmas travel chaos. SinceDirect Line has operated an ‘uninsured driver promise’ for fully comprehensive policyholders. When giving notice of the commencement of legal proceedings you need to serve copies of correspondence with the other side and a copy of your own insurance policy. Subscribe to our Daily news newsletter Enter email Subscribe.

And how do you go about getting your money back?

Your rights if you’re hit by an uninsured driver |

Premature claims to the MIB may result in the applicant being obliged to pay the costs involved. Personal service or service by normal post or e-mail is not accepted Notice of commencement of legal proceedings has to be served on the MIB within 14 days of commencement, however you also have to inform the MIB of the cliam of service of proceedings within 7 days of service or 14 days of deemed service; Uninsyred MIB has to be served with notice within 7 days of a Defence or amendment to the Claim againxt filed, the claim being set down for trial or the Claimant receiving notice of the trial date; You must give the MIB 35 days notice of any intention to apply for judgment.

If you are hit by an uninsured driver — even if that driver runs away and is never traced, you are entitled to claim.