Hit by an Uninsured Driver. Can I Still Claim?
They have no insurance, so there is no insurer to claim from. There is still a route, but it works differently and it has deadlines.
Yes. The Motor Insurers’ Bureau exists precisely for this. It is funded by a levy on every insurance policy in the country, and it meets claims where the driver at fault had no cover.
The process is slower and stricter than an ordinary claim, and there are deadlines you cannot miss, so get advice early.
What to do
The first few days matter more here than in an ordinary claim.
Report it to the police
Driving without insurance is a criminal offence. Report it and get the incident number - the MIB will expect to see it.
Get every detail you can
Registration, the driver’s name and address, the vehicle make and colour, and anything anyone saw.
Get advice before making a claim
The MIB process has its own rules and evidence requirements. Getting it wrong at the start is hard to fix later.
How it differs from an ordinary claim
The MIB investigates more thoroughly, because there is no insurer on the other side to check the story. Expect more questions and more paperwork.
It takes longer. Where an ordinary vehicle claim might settle in weeks, an MIB claim commonly runs to months.
And there are conditions. If you knew or should have known the driver was uninsured - for example if you accepted a lift from someone you knew had no cover - your claim can be reduced or refused.
Not sure where you stand?
Tell us what happened and we will tell you honestly whether there is a claim worth making.
Check whether your own policy has uninsured driver cover. Many comprehensive policies protect your no-claims discount and refund your excess where the other driver is uninsured and you were not at fault. It is worth reading your policy before doing anything else.
Common questions
The Motor Insurers’ Bureau, funded by a levy on every insurance policy sold in the UK. It exists to cover exactly this situation.
For an MIB claim, yes. Driving without insurance is an offence and the MIB will expect a police report and incident number.
It should not if you do not claim on your own policy. Many comprehensive policies also protect your no-claims where the other driver was uninsured.
The deadlines are stricter than an ordinary claim and vary depending on whether the driver is traced. Get advice quickly rather than leaving it.
It depends on the circumstances, and we will be straight with you about that rather than arranging something we cannot recover.
Terms and conditions apply to all services described on this page. Free recovery, storage and replacement vehicles are provided on the basis that the charges are recovered from the at-fault party’s insurer. We will explain the terms in plain English before anything is arranged.
Before we act for you we are required to verify your identity and to carry out fraud and anti-money laundering checks. This may include checks with credit reference and fraud prevention agencies, which will leave a record on your file.
Where fraud is suspected, information may be shared with fraud prevention agencies, insurers and law enforcement. Providing false or misleading information in support of a claim may mean your claim is refused, and can be a criminal offence.