Claims following accidents with uninsured drivers are on the up, according to the Motor Insurers’ Bureau (MIB). After more than 10 years, during which time claims against uninsured drivers reduced by more than 50 per cent, over the last 12 months the MIB has seen claims against uninsured drivers rise by almost 10 per cent.

What does the Motor Insurers’ Bureau do?

Historically, for victims of uninsured drivers, the MIB has provided a welcome safety net.  Each year, thousands of people are injured or killed by uninsured drivers and with no third party’s insurance to claim against, their compensation comes from the Motor Insurers’ Bureau. The MIB manage a fund to which all major insurers have to contribute. The more claims the MIB has to settle the greater the pressure on the fund and so the amount required from insurers goes up. These costs then get passed on to us law-abiding motorists.

The motor insurance industry has faced an extremely challenging time in relation to the rise in premiums and is under pressure to keep further rises to a minimum. One of the ways they can do this is by keeping tight control over what they pay to the MIB. Of course, payments to the MIB are a legal requirement of all major insurers but this doesn’t mean they are happy to write the MIB a blank cheque. The MIB must be accountable for what they are paying out in settled claims. As a result the MIB is under pressure to manage their fund very carefully.

An uninsured loss recovery policy could save you time, money and hassle

So what does this mean for people who find themselves needing to make a claim from the MIB? We are in no way implying that the MIB tries to avoid paying claims but because they have to be so careful, making a claim against them can sometimes be a frustrating and drawn out process. It can take up quite a lot of your time and you may incur further expenses if you choose to employ a solicitor. If you go down this route, you may find that you’ll have to pay some of or all of these voluntary legal costs out of your own pocket as, technically, it’s possible to make a claim without a solicitor.

Think about it: if you suffered a serious injury in an accident with an uninsured driver, would you have the physical and mental wherewithal to deal with all the hassle? Surely it would be preferable to have someone to take all this off your plate? But at the same time, you don’t want it to cost you money you can ill afford, especially when none of this was your fault in the first place!

Insure yourself with a motor legal protection policy from Best Price

The best way to insure yourself against this eventuality is to buy a motor legal protection policy. If you buy a policy from Best Price FS, for just £9.99 you will be covered for the services of a solicitor to help you make a claim for all your uninsured losses, including a claim to the MIB, up to a maximum of £100,000 for every discrete incident that occurs during the policy term, i.e. should you be unlucky enough to have two accidents during the lifetime of your policy, you will be entitled to up to £100,000 of legal assistance on each occasion.

To find out more about how you can get total peace of mind with our motor legal protection policy go to

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