ACCELERATING TO

We will make powerful shifts to end uninsured driving for good

We know that in managing claims we’re not dealing with the problem early enough. Despite all our good work so far, uninsured driving still costs £260m a year and we estimate there are over one million uninsured vehicles on our roads every year.

Historical insight tells us that uninsured drivers are more likely to speed, more likely to have a defective vehicle, more likely to be a convicted drink-driver, and more likely to be involved in a fatal collision. So, getting those who are knowingly driving uninsured off our roads doesn't just get rid of uninsured driving, it makes roads safer. For you, for your family, for everyone.

We also know not everyone is intentionally driving uninsured. We want to help people correct their mistakes before it’s too late because the consequences can be severe.

A key part of Accelerating to Zero is doing more in education and the prevention of uninsured driving, not just enforcement.

We'll do even more to keep helping people to rebuild their lives

No one whose life has been changed by an uninsured or hit-and-run driver should be left without the support they deserve, so we will handle all claims efficiently and compassionately.

We have made huge positive steps in recent years in handling claims. We now have the lowest number of open cases – which in simple terms is victims waiting for support – than we’ve ever had. 80% of people rate the service they get from us either 9 or 10 out of 10.

We provide help for 35,000 people every year to get support for injuries caused by uninsured or untraced driving. Support that, without us, would be so much more difficult to access and stressful.

While Accelerating to Zero is about shifting our focus to becoming an organisation whose priority is to reduce uninsured driving, we must make sure we continue to deliver the excellent claims service we have established.

But it’s more than that. We will build deeper claims capability and offer claims services to members in the UK and internationally so they can benefit from our growing expertise.

We will make sure data drives the good we do

In simple terms, our ambitions for Accelerating to Zero will not succeed if it’s not underpinned by data.

If data drives everything, we’ll be able to deepen our claims capabilities, provide a better experience for customers, prevent more fraud, reduce data risk across the insurance industry and – most crucially – support the work in making powerful shifts to end uninsured driving.

This is our opportunity to become the most trusted source of reliable, secure and timely data by the insurance industry and law enforcement agencies. We have to take it.

We will get ahead of the connected and self-driving vehicle revolution

Connected and autonomous vehicles are already here. And one day – not in the distant future – they will be the norm. This transition presents challenges, such as growing cyber and privacy risks, acts of terrorism and shifts in liability.

We must play a key role. We need to help mitigate our members' exposure to new risks. We will promote fair attribution of liabilities between MIB, motor insurers and vehicle manufacturers.

The government wants our expertise to ensure these technologies are brought onto our roads as safely as possible. That’s means we can play a crucial role in one of the most significant technological revolutions over the next decade.

And we should not forget that data in connected vehicles can enable new opportunities to prevent uninsured driving and help us make significant breakthroughs on hit-and-run driving.