What happens if I'm hit by an uninsured driver?

Motor Insurers’ Bureau (MIB) was established in 1946 to compensate the victims of negligent uninsured and untraced motorists. 

Every Insurer underwriting compulsory motor insurance is obliged, by virtue of the Road Traffic Act 1988, to be a member of MIB and to contribute to its funding.

The Motor Insurers’ Bureau is a company limited by Guarantee registered in England and Wales under company number 412787 whose registered office is at Linford Wood House, 6-12 Capital Drive, Milton Keynes MK14 6XT.

Claims Explained

The Motor Insurers’ Bureau is a fund of last resort and as such will consider claims for property damage and injury where compensation cannot be claimed from another source. The Bureau’s obligation is to handle claims in accordance with the agreements between MIB and the Government. MIB is restricted to paying compensation in respect of liability for property damage or injury arising from an accident that has occurred either on a road or a public place in accordance with the Road Traffic Act 1988 and subsequent regulations. MIB is also the UK Green Card Bureau and can be contacted when the driver of foreign registered vehice is being held responsible for an accident which has occurred in the UK.

Submitting a claim

To make a claim under the Uninsured or Untraced Drivers’ Agreements you will need to complete a claim form which can be accessed by the link below. Claims may be submitted direct by a claimant, through a solicitor or other appointed representative. Advice may also be provided by the local Citizens’ Advice Bureau. Claims will be dealt with in accordance with the appropriate agreement and the law. It is important to ensure that the police have been informed of the accident as part of the requirements under the agreements. To make a claim under the Green Card system, if you have the name of the insurer or a Green Card number, firstly check whether there is a UK agent for the foreign insurers from the “UK Represenatives of Foreign Insurers” page. If there is an agent you should direct the claim to them. If there is no agent identified you should complete the general claim form which can be accessed from the link below. If the accident occurred abroad the MIB claim form is not applicable. You should write to us with full information.

Accidents in the UK

This section contains details of the MIB’s role regarding claims for accidents that occur when driving in the UK. More detail can be found in the sub-sections below.

Untraced Drivers Agreement

The MIB compensate victims of negligent untraced drivers under the terms of this agreement. For details of all of our agreements please go to the Agreements Section of the Downloadable Document Channel.

Uninsured Drivers Agreement

The MIB compensate victims of uninsured drivers’ under the terms of this Agreement . For details of all of our agreements please go to the Agreements Section of the Downloadable Document Channel.

Green Card System

MIB acts as the deemed insurer of visiting motorists for the purpose of paying claims. If the negligent vehicle was foreign registered, the claim may be considered under the green card system.

Accidents Abroad

  • Information to assist you if you have been involved in an accident abroad.
  • What to do if you are involved in an accident abroad
  • Information to assist you in making a claim
  • Useful information that will assist you in making a claim following an accident abroad.

Fourth Directive

This explains the provisions of the Fourth Directive, now incorporated into the Codified Directive 2009/103/EC

Visit Motor Insurers Bureau

Shipping a Classic Car from abroad Your Insurance Policy

Understanding your insurance policy when having your car shipped is just as important as the carrier you pick to ship your vehicle.

It is always imperative to have your own insurance on the vehicle when the car is being transported. Most reputable carriers will have insurance that will cover physical damage to the load in which they are hauling. However, that limit is usually capped at a certain dollar amount. If your vehicle is one of five or six on the truck and the load consists of several multi-million-dollar cars, you could be in for a long fight to get the money you are entitled to for repairs or even a total loss.

KNOW ABOUT CLASSIC CAR INSURANCE BEFORE BUYING THE POLICY

Whether you have classic, collectible or antique car, buy a good classic car insurance policy to protect your valued asset. With a good classic car insurance policy, you remain assured that in any mishap you will not lose the money that you have invested in the classic car.

But before buying the classic car insurance policy, you must be clear about various terms used to buy a suitable insurance policy for your classic car. Some of the insurance companies provide stated value policies while other offer agreed value policies. The stated values of the car is lower than the true car value so in the event of total loss or theft you will get claim money lower than the actual car price.

The agreed value is the true market value of the car, which is agreed by both the car owner and the insurance company. The agreed value is better for classic car to get the real value of car in the event of accident or damage.

Before buying the agreed value policy for classic car, you need an appraisal. You can get appraisal by a classic car appraisal service, auto repair or auto body facilities. A qualified appraiser will accurately estimate the true value of your vehicle. You might get the appraisal free or need to pay small fee with some appraisers.

The classic insurance cover cost varies from provider to provider so it is better to compare the policy cost and service offered to get a fair price deal. The insurance companies with specialisation in classic cars will offer you the best deal rather than the general ones.

The conditions of insurance cover also vary from provider to provider. Some insurance companies need a good driving record before signing the insurance deal while other might restrict your age or miles that you can use every year on classic car. Some insurance policies have added premium if multiple drivers are used on same classic cars so it is better to review the policy carefully to understand the established rules of the provider.

 

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