Uninsured and untraced drivers

Hit by an Uninsured Driver?

If the other driver was identified but uninsured, the MIB may pay the vehicle losses under its rules. If the driver cannot be traced, it often will not, so speak to us before taking a hire vehicle.

Call 0208 090 8872

How MIB works

What is the MIB?

The Motor Insurers' Bureau (MIB)pays for losses caused by uninsured drivers and, in some cases, drivers who cannot be traced (hit-and-run). Payments are subject to the MIB's agreements, which set out what is covered, time limits and any excess. We recover our repair, recovery and hire charges from the MIB where its rules allow. If the other driver was identified but uninsured, the MIB may pay the vehicle losses under its rules. If the driver cannot be traced, it often will not, so speak to us before taking a hire vehicle.

Can we help?

We may be able to help if

  • You were hit by another vehicle in a collision
  • The other driver was identified but had no insurance
  • The accident wasn't your fault

Restrictions

  • An excess may apply under the MIB's rules
  • Accidents must be reported to the police promptly. The MIB has strict time limits
  • Where the other driver cannot be traced, the MIB often does not pay for vehicle damage or hire. Speak to us before taking a hire vehicle.
  • We deal with vehicle damage, repair and hire only

Our process

Four steps

01

First check

Contact us as soon as you can. We look at the details you have about the other driver and the police report.

02

Our charges

We send our repair and hire charges, with the evidence, to the MIB.

03

Replacement vehicle

Where appropriate, a replacement vehicle on credit-hire terms. Hire charges are not always recoverable in MIB cases, so we explain the hire terms before you agree.

04

Outcome

If the MIB accepts it, the MIB pays the recoverable vehicle losses under its rules.

What happens next

Three steps

When the other driver was identified but uninsured.

Step

1

Report and gather evidence

Call our 24/7 phone line. We'll talk you through reporting to police (essential for hit-and-run) and gathering CCTV, dash cam and witness details.

Step

2

Replacement vehicle

Where appropriate, we provide a replacement vehicle on credit-hire terms and send our charges to the Motor Insurers' Bureau.

Step

3

Repair and recovery

Your vehicle is repaired in our in-house bodyshop. If the MIB accepts it, the MIB pays the recoverable repair costs under its rules.

Report to the police promptly

Report a hit-and-run to the police

For untraced drivers, the MIB requires a police report within strict time limits. Report it as soon as you can, then call us.

0208 090 8872
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