Why uninsured drivers affect you?


It’s a serious problem

Each year, thousands of people are injured or killed by uninsured drivers and without the correct insurance. Their compensation comes from the Motor Insurers’ Bureau. The MIB bill is paid for through the insurance premiums of all law abiding motorists.

Evidence suggests that uninsured vehicles are consistently used to conduct wider criminal activity, and are more likely to be involved in a collision, so by targeting uninsured drivers we can help deter criminal activity and remove their means of transport and make our roads safer.



The MIB is at the heart of the fight against uninsured driving. They manage the MID (Motor Insurance Database) which is the central record of all insured vehicles in the UK. The MID is used by the Police and the DVLA to enforce motor insurance law – ensuring that vehicles driven on our roads are insured at all times.

“Working in partnership with insurers, Police and DVLA, the level of uninsured driving has dropped by some 50% in the last 10 years. This has economic and social benefits – the honest motorist carries less of the cost burden through motor premiums and our roads are safer.” Ashton West, Chief Executive at MIB


The Law

If you use your vehicle on a road or in a public place you must have a minimum of third party insurance. Motor insurance is a legal requirement and if you do not have valid insurance in place you could be liable for the cost of an accident and any costs associated to the resulting claim.

You could also:

  • get a Fixed Penalty of £300
  • have your vehicle seized
  • face a court prosecution, with the possibility of an unlimited fine and being disqualified from driving
  • incur a £150 fee to release your car and have the correct insurance in place to get it back
  • be subject to a higher insurance premium if caught driving uninsured
  • have 6 penalty points added to your license.


Check Your Vehicle

You can check that your own vehicle has a valid insurance policy recorded on the MID at www.askMID.com This service is free to use and will immediately tell you if your vehicle is registered on the MID