How to report an uninsured driver

A driver on the phone after a collision

July 27, 2021

According to data from the Motor Insurers Bureau (MIB), it is estimated that there are around 1 million uninsured drivers on UK roads. This works out at about 4% of all motorists in the country.

Driving without the minimum level of car insurance (third-party only) is illegal in the UK, as accidents involving uninsured drivers can prove costly for insurance companies and other motorists. This means the majority of UK drivers are forced to pay higher premiums to cover the costs incurred by those driving without the correct insurance.

As well as increasing car insurance premiums, uninsured drivers can also cause a range of issues for other road users, such as:

  • If you are hit by an uninsured driver, you might have to pay an excess
  • Depending on the insurance company, you could also lose your No Claims Bonus
  • If you do not have comprehensive car insurance, you may be forced to pay for any damage to your car yourself

However, some car insurance policies do provide protection against uninsured drivers, offering cover so your vehicle can be repaired without costing you, your excess or No Claims Bonus (NCB).

What to do if you are hit by an uninsured driver

If you are involved in an accident with a car that doesn't have insurance, there is no one for you to make a claim against for any damage to your car or any injury suffered by you or your passengers.

Whether the crash was your fault or theirs, if you only have third-party insurance and you suspect the other driver isn’t insured then you should report the incident to the police and let your insurance company know.

Your insurer can help you get in touch with the Motor Insurers’ Bureau (MIB) who can help you claim compensation. There’s no guarantee you’ll receive any compensation, but it is certainly worth a try,

Reporting an uninsured driver

Regardless of whether you have fully comprehensive or third-party insurance, if you suspect a driver doesn’t have insurance then it is always a good idea to report it to the police. If the number of uninsured drivers on the road is reduced, we could see a reduction in premiums in the long-run. Plus, it lowers the risk of other drivers being involved in a crash with an uninsured driver.

To report an uninsured driver, visit your local police force’s website and find their reporting page. Some have pages dedicated to reporting uninsured drivers, while others have ‘Live Chat’ functions so you can quickly make a report.

The police can use the Motor Insurance Database (MID), which lists every single car insurance policy on the system to identify uninsured drivers. Whenever a car insurance policy is bought in the UK, the insurance company has to enter the details into the MID. They are also required to add a note if a policy is cancelled or lapses due to non-payment of premiums.

For more information regarding car insurance, check out our related guides below.

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