What to do if you are involved in an accident with an Uninsured Driver?

If you are involved in an accident with an uninsured driver, unfortunately, they are likely to drive off unless the damage prevents them. However, in all cases every attempt should be made to note the number plate, car make/model, contact details (if the person stops) and a description (if they drive off) of the person driving.

As soon as you discover the other driver is uninsured you should contact the police immediately.

Will I lose my No Claims Bonus?

This all depends on the individual insurance company and what the small print of your policy says. We recommend you ask your insurer before taking out a policy with them. In some cases legal cover can be used to sue an uninsured driver to reclaim all costs to your insurance company - in this case you will normally keep your NCB.

Some insurers take the view that a claim is a claim so you will lose your no claims bonus no matter what. If the damage is only minor it may work out cheaper to pay for it yourself, and use your insurance legal protection to reclaim costs from the uninsured driver.

Is there a Compensation System for Victims of Uninsured Drivers?

The Motor Insurers Bureau is a specialist organisation setup to help deal with uninsured drivers. Every insurer in the UK pays a certain amount to the MIB to help compensate victimres. Visit their website for more information and find out how to claim:

Motor Insurers Bureau

Do Uninsured Drivers increase the cost of your Car Insurance Premium?

Yes - latest figures suggest uninsured drivers add approximately £30 to each insurance policy.