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Uninsured does not mean uncompensated.

Hit by an uninsured driver: what to do and who pays

If you are hit by a driver with no insurance, you can still claim. The Motor Insurers' Bureau is a statutory body that compensates victims when the at-fault driver is uninsured or cannot be traced.

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What is the Motor Insurers' Bureau?

The MIB is a not-for-profit body funded by all UK motor insurers. It was set up to ensure that victims of road accidents are not left without compensation simply because the at-fault driver had no insurance or could not be found.

There are two separate schemes. The Uninsured Drivers Agreement covers accidents where the at-fault driver is identified but uninsured. The Untraced Drivers Agreement covers accidents where the driver fled the scene and cannot be identified.

The MIB exists for exactly this
Its purpose is to compensate people hit by uninsured or untraced drivers. You do not have to absorb the loss yourself.

What you can claim

Through the MIB, you can recover the cost of vehicle repairs or replacement, compensation for personal injury, and reasonable out-of-pocket expenses caused by the accident.

You will normally need to pay your own excess. If your insurer handles the MIB claim on your behalf, they may protect your no claims discount, but it is always worth checking your policy. Property damage claims under the Untraced Drivers Agreement have additional conditions.

What to do immediately

  • Report the accident to the police as an MIB claim requires a police report number
  • Note the other vehicle’s registration number, make, model and colour
  • Photograph the scene, the vehicles, and any damage
  • Collect witness names and contact details
  • Do not attempt to pursue the other driver privately
  • Call us. MIB claims have specific requirements and time limits

Time limits

MIB claims must be filed within specified time limits that vary depending on whether it is an uninsured or untraced driver claim, and whether personal injury is involved. Do not delay. The sooner you call us, the more straightforward the process.

How we help

MIB claims involve more procedure than a standard third-party claim. We can tell you on the first call whether an MIB route applies, what you are likely to recover, and how to proceed. Having someone manage the process who knows the MIB’s requirements makes a material difference to the outcome.

Frequently asked questions

Do I have to go through my own insurer if the other driver was uninsured?
You can, but going through your own policy means paying your excess and may affect your no claims discount. The MIB is the correct mechanism for uninsured driver claims. We can advise you on the first call which route gives you the better outcome for your situation.
What if the driver fled the scene and I could not get their details?
This falls under the MIB’s Untraced Drivers Agreement. You will need a police report number. The claim is assessed differently from an uninsured driver claim, personal injury is covered, but property damage claims have conditions and a threshold applies. Call us and we will tell you exactly what applies to your case.
Is there a time limit for making an MIB claim?
Yes. Time limits apply and vary depending on the type of claim and whether personal injury is involved. Do not wait. Call us as soon as possible after the accident.

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