The MIB Uninsured Driver Scheme

There are approximately 1,000,000+ uninsured vehicles on UK roads, simply because the risk of a fine is cheaper than paying for legitimate insurance. Most uninsured drivers are not going to stop at the scene of the accident to give their details, or if they do, the details are likely to be false.

If you know the identity of uninsured driver, your claim will be dealt with under the MIB Uninsured Driver Scheme if not then the MIB Untraced Driver Scheme applies. After an accident, the third party must give you their insurance details by law. If they refuse or say they are uninsured, you should report it to the police and get a crime reference number. This is an important step - if you don't report a failure to provide insurance details, the MIB may turn your claim down.

If you agreed to travel as a passenger in a vehicle and you knew your driver was uninsured, you might not be able to make a claim. Our expert legal advice is essential when dealing with complicated procedures such as the MIB. We will do our best to get you your compensation despite the shady tactics of any third parties.

Uninsured Driver Scheme Conditions

We will help you complete the MIB application form, but you must prove that the third party driver was to blame for the RTA. The MIB will normally pay you compensation for your injury in the same way as a third party insurer would.

The MIB may take several months or longer to investigate your claim and they usually won't make any interim payments, such as for repairs. These cases are often but not always settled voluntarily without going to court. You may not be able to make a claim if your own vehicle was uninsured.

We would recommend you should use a solicitor for MIB claims. For example, if the MIB doesn't agree to a settlement for your claim, you may need to issue proceedings. The correct legal notices must be provided or else your claim could be rejected by MIB.