If you’re in a road accident with an uninsured driver, your car insurance excess and no claims bonus can be affected.
The cost of compensating the victims of uninsured drivers is added on to your car insurance premiums, making them more expensive than they should be.
If you drive without car insurance you face a fixed penalty notice of £300 fine and up to six penalty points on your licence. Your car is likely to be seized too.
If the case is taken to court, you could receive an unlimited fine and be disqualified from driving.
Around 130 people are killed and over 26,000 injured in accidents with uninsured drivers every year, according to the Motor Insurers’ Bureau (MIB).
Report the accident to the police and note down the:
If you can, take pictures of the scene to use for evidence. Get in touch with your insurer as soon as you can to let them know about the accident.
The other driver must give you their insurance details. You can use the askMID service if the driver isn’t being forthcoming, or report them to the police for refusing to give their insurance information.
232 uninsured drivers were caught in Scotland as part of a week-long joint operation between the MIB and Police Scotland in January 2019
According to the MIB
Last checked 27 August 2019