Uninsured Drivers' Claim Procedure

Please take the following steps before making a claim.

·     Make inquiries to see if the motorist is insured. This will include contacting the motorist in person, and tracing the registered keeper via DVLA and contacting him.

Make a formal complaint to the police. You are entitled to do this as a refusal to give insurance information is a criminal offence under Section 154 of the Road Traffic Act 1988.

Contact your insurers. Your insurance policy requires all accidents to be reported and your insurers may be able to trace the other party's insurers. Your insurer also has access to the Motor Insurance Database which may contain details of the motorist's insurers.

·     Advise your legal expense insurers. If you have no insurance for legal expenses, speak to your local solicitor concerning an arrangement under which you can be protected against legal costs. The MIB are able to offer free legal expense insurance. 

·     From Submit a Claim you can select either to download an MIB Claim Form, which you can print out, complete by hand and post to MIB, or to fill in your details online and submit your claim to MIB.  You should provide as much information as you can about the motorist. 

·     Collect as much documentary information as you can concerning your losses. MIB will also need details of any insurance policies which you hold which may cover those losses. If your vehicle has been damaged, try and get two estimates, but if the vehicle is not drivable one will be sufficient. Do not delay your claim to wait for estimates to arrive.  MIB can arrange to have your vehicle inspected by an independent engineer if necessary.