How we're run
Who governs MIB, our annual report and accounts and legal information
Our Board
MIB is governed by our Board of Directors, which is responsible for strategic and financial oversight and operational compliance and policies. Mike Crane joined as our Chairman in December 2021.
Mike Crane
Chairman
Mike joined the MIB board in 2018 and has served as Chair since 2021. He is the Managing Director of Commercial Insurance at AXA Insurance UK, bringing over 30 years of extensive experience in the insurance industry. A Chartered Insurer, Mike began his career with Commercial Union in the late 1980s. Over the years, he has held a variety of senior managerial roles in Insurance Companies across both personal and commercial lines. He brings a deep understanding of the sector and a strong commitment to supporting delivery of MIB’s strategy.
Our Executive team
Our Executive Committee focus on the strategic elements of our work and is supported by other members of our enterprise leadership team to lead the business to deliver our objectives.
Angus Eaton
Chief Executive
Angus joined MIB as Chief Executive in 2024. He brings strong leadership across risk, strategy and transformation, with expertise spanning commercial, legal and compliance functions. Angus has over 30 years’ experience, including senior roles at Aviva, and was most recently Group Chief Risk Officer at Hastings Group
Duncan Forbes
Chief People Officer
Duncan joined MIB in 2022 as Head of Organisation Effectiveness and became Chief People Officer in 2025. He brings deep expertise in organisational development, people strategy and business transformation. Duncan has worked across sectors, including roles at ASDA (Walmart), Jaguar Land Rover, Worldpay, the NHS and the Civil Service.
Harkamal Phagura
Chief Finance Officer
Harky joined MIB in 2024. He brings strong financial leadership, strategic planning expertise and experience across both PLC and private equity environments within financial services and insurance. A Fellow of the Chartered Institute of Management Accountants, Harky has previously held roles at RAC, Aviva, Capgemini, Restore and Maxxia UK.
Kjirste Coltham
Chief Operating Officer
Kjirste joined MIB in 2023 and is Chief Operating Officer. She brings extensive expertise in IT leadership, business and systems transformation, and software development lifecycle management, alongside strengths in process re-engineering and operational delivery. Kjirste’s career spans wealth management, banking and insurance.
Chris Makomereh
Chief Risk and Strategy Officer
Chris joined MIB in 2022 as Chief Risk Officer. He brings expertise in risk management, compliance and data protection, with global experience across (re)insurance. Chris has held senior roles at organisations including Vitality UK and Pacific Life Re, and is a Chartered Enterprise Risk Actuary, with an MBA from Imperial College Business School.
Andrew Wilkinson
Chief Claims Officer
Andrew joined MIB in 2023 to oversee MIB’s claims operations. He brings extensive claims leadership experience and a strong track record in technical claims strategy and reform. Andrew spent 25 years at Aviva, most recently as Technical Claims Director where he played a leading role in personal injury reform.
Building an inclusive workplace
We believe in a workplace where everyone feels able to do the best work of their lives. A place where everyone is rewarded fairly, feels valued and where our differences change what is possible every day.
Women in finance charter
Legal information
The Motor Insurers' Bureau (MIB) is a company limited by guarantee, registered in England and Wales. Company number 412787. VAT Registration Number 991 2548 92.
Registered office:
Linford Wood House
6-12 Capital Drive
Milton Keynes
MK14 6XT
MIB Group entities and services
The MIB Group consists of the Motor Insurers’ Bureau (MIB) and subsidiary companies Tracing Services Limited, MIB Management Services Limited and MIB Portal Services Limited.
In addition to managing Navigate, which holds Motor Insurance Policy Data (MIPD) and Vehicle Salvage and Theft Data (VS&TD), Claims Underwriting Exchange (CUE) and MyLicence, we also make a wider impact through the services we provide for the insurance industry and the government.
IFB
The Insurance Fraud Bureau brings together insurers, partners and law enforcement agencies in the fight against fraud.
Official Injury Claim
On behalf of the UK government, Official Injury Claim makes it quick and easy to claim compensation after a road accident.
ELTO
ELTO (Employers’ Liability Tracing Office) helps anyone affected by a work-related illness or injury quickly find their employer’s insurer information.
Uninsured and Untraced Drivers' Agreements
Uninsured
2017 Supplementary Uninsured Drivers Agreement England Scotland Wales Signed Redacted
2015 Mib Uninsured Agreement England Scotland Wales Signed Redacted
2008 Supplementary Uninsured Drivers Agreement England Scotland Wales Signed Redacted
1999 Uninsured Drivers Agreement England Scotland Wales Signed Redacted
1988 Uninsured Drivers Agreement England Scotland Wales Signed Redacted
Untraced
2017 Untraced Drivers Agreement England Scotland Wales Signed Redacted
2015 5Th Supplementary Untraced Drivers Agreement England Scotland Wales Signed Redacted
2015 4Th Supplementary Untraced Drivers Agreement England Scotland Wales Signed Redacted
2013 3Rd Supplementary Untraced Drivers Agreement England Scotland Wales Signed Redacted
2011 2Nd Supplementary Untraced Drivers Agreement England Scotland Wales Signed Redacted
2008 Supplementary Untraced Drivers Agreement England Scotland Wales Signed Redacted
2003 Untraced Drivers Agreement England Scotland Wales Signed Redacted
1996 Untraced Drivers Agreement England Scotland Wales Signed Redacted
Uninsured
2023 Uninsured Drivers' Agreement for Northern Ireland Signed Redacted
2008 Supplementary Northern Ireland Uninsured Drivers Agreement Signed 1 Redacted
2002 Uninsured Drivers Agreement Northern Ireland Signed Redacted
1989 Uninsured Drivers Agreement Northern Ireland Signed Redacted
Untraced
2023 Untraced Drivers' Agreement for Northern Ireland Signed Redacted
2015 3Rd Supplementary Untraced Drivers Agreement Northern Ireland Signed Redacted
2011 2Nd Supplementary Untraced Drivers Agreement Northern Ireland Signed Redacted
2009 Supplementary Untraced Drivers Agreement Northern Ireland Signed Redacted
2004 Untraced Drivers Agreement Northern Ireland Signed Redacted
1998 Untraced Drivers Agreement Northern Ireland Signed Redacted
Uninsured
2021 Gibraltar Uninsured Drivers Agreement
2018 Supplementary Uninsured Drivers Agreement Gibraltar Signed Redacted
2001 Uninsured Drivers Agreement Gibraltar Signed Redacted
Untraced
2021 Gibraltar Untraced Drivers Agreement
2018 Supplementary Untraced Drivers Agreement Gibraltar Signed Redacted