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Uninsured drivers

Hit by an uninsured driver - what happens next?

Find out more about what happens when you are in an accident with an uninsured driver

By Emily Sullivan

Published: 18 December 2020

Two drivers pointing out damage after car collision

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A road accident can be a stressful experience, and even more so when it’s someone else’s fault. To make it worse, some people don’t have insurance, or drive off before you can get their details.

Each year, thousands of people are injured or killed by uninsured drivers and without the correct insurance their compensation comes from the Motor Insurers’ Bureau (MIB). This bill is paid for through the insurance premiums of all law-abiding motorists.

According to MIB, 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.


Uninsured drivers


What do I do if I am in an accident with an uninsured driver?

If your car’s been hit by an uninsured driver, there are a few things you can do at the time of the incident to make it easier to deal with your claim:

  • Get other driver’s details: Ask for the name and address of the other driver and make a note (or take a photo) of the registration number, make and model of their vehicle
  • If you can’t get details: The other driver should give you their insurance details. If they don’t, you can use the askMID Roadside service, or report them to the police for refusing to give their insurance information
  • Hit and run: If the driver of the other vehicle doesn’t stop, then try and get their vehicle registration. If possible, get a photo of the vehicle. If there were any witnesses to the incident, ask them for their contact details as they may be able to help the police or your lawyers in any later investigation
  • Photograph: If you can take photos or videos of the scene and location, this could be helpful as evidence later on in your claim
  • Contact your insurer: You’ll need to get in touch with your car insurance provider to tell them about the accident as soon as you can. If you don’t, your policy could be invalidated.

How do I know if I’ve been hit by an uninsured driver?

If you have an accident, you can instantly check and confirm the insurance details of the other parties involved using the askMID service on your smartphone. There’s a small charge to use this service.

If the other vehicle is on the database, you’ll be able to see the insurance details, so you can check that they match with what you’ve been provided and use them when making your claim. If there are no details, then the driver is probably uninsured.

You could also ring your insurance provider from the roadside, and they should be able to check if the other driver is insured for you.

Who pays for the damage of an uninsured driver?

The MIB compensates for damage and personal injury, as long as the innocent driver has got legal insurance at the time of the accident. It doesn’t matter what level of insurance the innocent party has – be it comprehensive, third party fire and theft, or just third party – you can still receive help.

The Motor Insurers’ Bureau (MIB) was created in 1946, to compensate those who are victims of uninsured, negligent and untraced drivers. It is a not-for-profit organisation funded by all UK motor insurers through policy premiums. It is thought that between £15-30 of each driver’s premium contributes to this fund.

Can I claim against an uninsured driver?

If you have a fully comprehensive car insurance policy, you can make a claim through your insurance provider. Be aware that if the driver is uninsured this will likely take a lot longer 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. The MIB may be able to offer you compensation though but this process is often very slow.

What if the accident is your fault?

If it is your fault, then you will be expected to pay for repair costs to both your car and theirs, even if they are uninsured. Your third-party insurance should cover the repairs to the other person’s vehicle, but not your own. So, unless you have comprehensive cover, you will have to fork out to repair your car.

However, they can still be prosecuted for not having legal insurance and the police have the power to seize their vehicle. 

Will I lose my no-claim bonus if I claim against an uninsured driver?

Recognising that it’s unfair to penalise policyholders for claims they weren’t responsible for, some insurers are now putting clauses in place which mean your no claims is protected from uninsured motorists.

Some will even waive your claim excess if the accident is clearly not your fault, so you won’t lose any money. Both of these options however come with a downside in that your premiums will most likely increase at renewal.  

When you claim, most insurers will often deduct your no claims bonus (or some of it at least) and ask you to pay the excess, but only while the claim is settled. Then they should refund your excess and restore your no claims bonus after the dispute is settled.

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.

What is the penalty for driving without insurance?

As well as being liable for the cost of an accident and any costs associated to the resulting claim.

You could also: 

  • Get a Fixed Penalty of £300
  • Have your vehicle seized
  • Face a court prosecution, with the possibility of an unlimited fine and being disqualified from driving
  • Incur a £150 fee to release your car and have the correct insurance in place to get it back
  • Be subject to a higher insurance premium if caught driving uninsured
  • Have 6 penalty points added to your license

Compare cheap car insurance quotes

Comparing car insurance quotes with MoneySuperMarket is a quick and easy way to find affordable cover. All you need to do is tell us a little about yourself, the car you’re insuring and your driving history, and we’ll put together a list of quotes tailored to your needs.

You can then check which policies offer you the right level of cover to protect against the costs of uninsured driver incidents.