What is the Motor Insurers' Bureau?
The MIB is a not-for-profit body funded by all UK motor insurers. It was set up to ensure that victims of road accidents are not left without compensation simply because the at-fault driver had no insurance or could not be found.
There are two separate schemes. The Uninsured Drivers Agreement covers accidents where the at-fault driver is identified but uninsured. The Untraced Drivers Agreement covers accidents where the driver fled the scene and cannot be identified.
What you can claim
Through the MIB, you can recover the cost of vehicle repairs or replacement, compensation for personal injury, and reasonable out-of-pocket expenses caused by the accident.
You will normally need to pay your own excess. If your insurer handles the MIB claim on your behalf, they may protect your no claims discount, but it is always worth checking your policy. Property damage claims under the Untraced Drivers Agreement have additional conditions.
What to do immediately
- Report the accident to the police as an MIB claim requires a police report number
- Note the other vehicle’s registration number, make, model and colour
- Photograph the scene, the vehicles, and any damage
- Collect witness names and contact details
- Do not attempt to pursue the other driver privately
- Call us. MIB claims have specific requirements and time limits
Time limits
MIB claims must be filed within specified time limits that vary depending on whether it is an uninsured or untraced driver claim, and whether personal injury is involved. Do not delay. The sooner you call us, the more straightforward the process.
How we help
MIB claims involve more procedure than a standard third-party claim. We can tell you on the first call whether an MIB route applies, what you are likely to recover, and how to proceed. Having someone manage the process who knows the MIB’s requirements makes a material difference to the outcome.