Claiming against an uninsured drivers

A car accident is traumatic enough. But what if the other driver has no insurance? Can you claim against an uninsured driver? Here’s everything you need to know.

A car accident is traumatic enough. But what if the other driver has no insurance? Can you claim against an uninsured driver? Here’s everything you need to know.

Daniel Hutson
From the Motor team
minute read
Do you know someone who could benefit from this article?
Posted 8 NOVEMBER 2019

The cost of uninsured drivers

According to the Motor Insurers' Bureau (MIB), the body that compensates victims of uninsured drivers, there are around 1 million uninsured drivers on UK roads. It’s estimated that every three days someone has an accident involving an uninsured or 'hit and run' driver.

MIB settles around 25,000 claims a year and on average 120 relate to someone dying in an accident involving a driver who either had no insurance or left the scene.

Uninsured drivers are a massive burden for UK road users. Not only do honest motorists have to bear the brunt by paying higher car insurance premiums, a claim against an uninsured driver can be a complicated and drawn-out process.

How can I check if I've been hit by an uninsured driver at the time of an accident?

You can instantly check and confirm the insurance details of the other parties involved in an accident using the Motor Insurance Database (MID) with a smartphone.

Use your mobile to check the information you’ve been given with the askMID Roadside service while you’re at the side of the road (but make sure you’re in a safe place first). There’s a small charge for this: £4.50 (cost correct February 2019).

If the other vehicle is on the database, you’ll be able to see the insurance details – policy number, name of insurance provider and the claims contact details – to check that they match what you’ve been given and to help you progress a claim.

If there are no details, it’s likely that the driver is uninsured if the details you’ve given are correct.

If you ring your insurance provider from the roadside they too should be able to check if the other driver is insured.

What should I do if I’m hit by an uninsured driver?

If your car’s been hit by an uninsured driver, it’s vitally important to gather as much information and evidence as possible after the accident. This includes:

  • time and date of the accident
  • registration number and details of the other car
  • the other driver’s name, address and contact details
  • videos or photographs of the scene and any injuries, to back up your claim

If the other driver is uninsured or refuses to give you their details, you must notify the police, even if the damage is minor. Refusing to give insurance information is as much a criminal offence as driving uninsured.

You’ll also need to tell your car insurance provider about the accident. Failure to do so could invalidate your policy. Most insurance providers have a 24/7 emergency claims line, so you can call them at any time of the day or night. They’ll also have access to the Motor Insurance Database (MID), which can establish if the other car is insured or not. 

Can I claim against an uninsured driver?

If you have fully comprehensive car insurance, you can make a claim through your insurance provider. In the case of an uninsured driver though, your provider won’t be able to recover costs from the other side, so the whole claims process will be trickier to resolve than a standard claim.

If you only have third party, or third party fire and theft cover, you won’t be able to make a claim through your insurance provider. You might be able to apply for compensation through the MIB though. Again, the process is a slow one – it can take over a year to resolve.

Also, be aware that if the accident is your fault, you’ll still be responsible for repair costs to their vehicle, even if they’re uninsured.

What’s an Uninsured Driver Promise?

Many insurance providers include an Uninsured Driver Promise in their comprehensive policies. It’s a guarantee that your no claims discount will be reinstated and your excess will be reimbursed if you’re involved in an accident with an uninsured driver. Not all insurance providers offer this, so if it’s something you want, check it’s included before deciding on a policy.

Compare and save

Our price comparison service could be the easiest way to find a policy that suits you. Once you have a list of quotes, you can check which policies offer you the right level of cover to protect against the costs of uninsured driver incidents.

Uninsured drivers are partly responsible for the increase in premium costs. But that doesn’t mean you won’t be able to find a great deal on your car insurance. Compare with us today and see if you can save.

Looking for a quote?

Compare car insurance in minutes to see if you can save

Get a quote
Compare car insurance Get a quote