Motor Insurance Bureau Claims
Uninsured Driver Claims
Hit by an uninsured or untraced driver? We handle Motor Insurance Bureau (MIB) claims from start to finish.
Call 0208 090 8872How MIB works
What is an MIB claim?
The Motor Insurance Bureau (MIB)is a special fund that covers claims when the at-fault driver is uninsured or cannot be traced (hit-and-run). You're covered even though the other party has no insurance. We manage the entire claim process on your behalf.
Eligibility
Am I covered?
You're likely covered if
- You were hit by another vehicle in a collision
- The other driver had no insurance (or it's untraced)
- The accident wasn't your fault
- Your vehicle is registered in the UK
- You have motor insurance (any type)
Restrictions
- Your own excess will apply (typically £300-£500)
- Hit-and-run must be reported to police within 30 days
- Property damage only (no personal injury cover via MIB for drivers)
Our process
Four steps to MIB recovery
Initial assessment
Report to us immediately. We verify uninsured status and the police report.
MIB claim lodged
We submit the claim to the Motor Insurance Bureau on your behalf with full evidence.
Replacement vehicle
Zero-cost replacement arranged so you stay mobile while your vehicle is repaired.
Full recovery
MIB reimburses repairs and recoverable excess. You pay nothing for the claim.
What happens next
Three steps to recovery
Even when the other driver is uninsured or untraced.
Step
Report and gather evidence
Step
We file the MIB claim
Step
Repair and recovery
Critical — 30-day police report
Report hit-and-run to police within 30 days
For untraced drivers, a police report is required for MIB eligibility. Call us and we'll guide you through the process.