[Zizu]

You're driving along, you get hit by another driver, and you stop to exchange details – then it turns out they don't have car insurance. What next?

"You still have a civil claim against them, but as they have no insurance cover, there still needs to be a mechanism for compensation if they can't meet their financial obligations. So in the UK, we have the Motor Insurers' Bureau," explains Martin Smith, Motor Technical Claims Manager. "The MIB acts as a guarantee fund of last resort – if there is injury or damage and there is no insurer to pay, the MIB will meet the claim, and they will go after the perpetrator."

You can use your own insurer, or you can go straight to the MIB, and they'll act on behalf of the uninsured motorist. Usually, you won't feel an impact on your no claims discount (NCD) if you're in an accident with someone who isn't covered.


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