Driving without car insurance: what are the penalties?
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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.
In 2022, over 100,000 vehicles were seized for no insurance, 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.
All drivers must exchange details after an accident. If they're unwilling to share their details or you think they're uninsured, tell the police. If you have the other car's registration number, your insurer might be able to find out if a driver has insurance. You can also use the askMID service but this costs £10 and is only intended for use after an accident.
Normally, the other party’s insurance will cover you if the accident was their fault.
on your own policy, as long as you have comprehensive insurance.
If you’ve got third party only or third party, fire and theft car insurance, you can’t claim for your damages.
You’ll have to pay an excess fee and potentially lose your no claims bonus.
Some providers understand the unfairness of this, so will waive the excess fee. Other insurers have an uninsured driver promise, which means you won’t lose your no claims bonus.
Making a claim is still going to increase the premium you pay, when it comes to renewing your car insurance.
You might need to meet a few conditions to be eligible to claim if you’re hit by an uninsured driver, like:
While your claim is being settled, your insurer will reduce your no claims bonus and ask you to pay your excess.
If the claim is settled in your favour, and insurer has an uninsured driver promise, your no claims discount won’t be affected, and it may refund your excess.
Even if the other party is uninsured, if the accident is your fault then you’ll be responsible for their repair costs.
This should be covered by basic third-party insurance, however, repairs to your car will only be covered under comprehensive insurance.
If the uninsured driver is prosecuted and their car is sezied or crushed, there’ll be no car to repair. Your insurer still might have to pay their injury compensation though.
Failing to stop after an accident is an offence, so you can report the other driver to the police within nine months of the accident happening.
You’ll have to pay an insurance excess fee if you claim for damages to your vehicle or personal injury.
There are certain situations where insurance claims will be rejected, such as:
Reasons for claim rejections can vary, so read up on your insurers claims procedure and exclusions before starting the process.
If you’ve got third party only or third party, fire and theft car insurance, you can’t claim for your damages.
You might be able to submit a claim to the MIB, which was set up to compensate victims of uninsured and untraced motorists.
It’s funded by insurance companies, which is why uninsured drivers push up the cost of your car insurance.
Investigations can be slow, depending on the complexity, and it’s only recommended that you claim with the MIB if you don’t have comprehensive car insurance to claim on.
The MIB won’t pay out if the accident was your fault though, even if the other driver had no insurance.
While the MIB will try to help you, there are circumstances that will void your claim, such as:
If any of the MIB’s exemptions apply to you, you’ll have to pay for repairs and medical fees yourself, which is why it’s so important to get the right car insurance cover, just in case.
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[1]Last checked 3 January 2023