Do I have to go through my own insurance?

No. If you’re not at fault, we can manage everything without involving your insurer.

Will I have to pay anything?

If the accident wasn’t your fault, you pay nothing. We recover all costs from the at-fault party’s insurer.

Can I get a replacement taxi or PCO vehicle?

Yes! We specialise in PCO-licensed and hackney cab replacements – delivered quickly so you don’t lose income.

What if my vehicle is written off?

We’ll recover its full pre-accident value and ensure you have a replacement car in the meantime.

How quickly will I get a courtesy car?

Often the same day, depending on your location and vehicle type.

Do you cover motorcycles and vans?

Yes. Our fleet includes motorbikes, vans, and even commercial vehicles.

Hit by an Uninsured Driver UK? What to Do Step by Step - Nova Motor Assist

What to Do If the Other Driver Has No Insurance in the UK

Introduction

Being in a car accident is stressful enough. But when you discover the other driver has no insurance, the situation feels even worse.
In the UK, driving without insurance is illegal — but thousands of uninsured drivers are still on the road. The good news: you can still recover your costs through the Motor Insurers’ Bureau (MIB) and with help from experts like Nova Motor Assist.

If you’re hit by an uninsured driver in the UK, report the accident to the police, collect evidence, and notify your insurer. Claims usually go through the Motor Insurers’ Bureau (MIB), which compensates victims of uninsured or untraced drivers. Nova Motor Assist can manage your claim, provide a replacement vehicle, and help recover uninsured losses.

Step-by-Step: What to Do If the Other Driver Has No Insurance

1. Stay Safe & Call the Police

Stop your vehicle and ensure safety first.
Call the police — uninsured driving is a criminal offence.
Get a crime reference number.

2. Collect Evidence

Take photos of both vehicles, damage, and the accident scene.
Note the driver’s details, registration number, and witness statements.

3. Notify Your Insurer or Nova Motor Assist

Report the accident immediately (FNOL).
If the other driver admits they have no insurance, let your claims handler know.

4. Claim Through the MIB (Motor Insurers’ Bureau)

The MIB compensates victims of:

Uninsured drivers (no insurance at all).
Untraced drivers (hit-and-run cases).

You’ll need:

Police reference number.
Proof of your losses (repair bills, excess, loss of earnings, etc.).

5. Recover Uninsured Losses (ULR)

Even if you receive MIB compensation, you may still face costs like:

Policy excess
Loss of earnings
Travel expenses

👉 Nova Motor Assist records these at FNOL and pursues recovery for you.

How Nova Motor Assist Helps After an Uninsured Driver Accident

Immediate FNOL service to log your claim correctly.
Like-for-like replacement vehicle (credit hire) so you’re never left stranded.
Repair management at approved UK body shops.
ULR support to recover excess, lost income, and expenses.
Claim handling with the MIB to reduce stress.

FAQs: Hit by Uninsured Driver UK

1. What happens if I’m hit by an uninsured driver?

You can claim compensation through the Motor Insurers’ Bureau (MIB), which covers victims of uninsured and hit-and-run drivers.

2. Do I have to pay my excess?

Yes, but Nova Motor Assist can recover it for you through Uninsured Loss Recovery.

3. How long do MIB claims take?

On average, 3–9 months depending on the complexity of the case and the evidence provided.

4. Will I still get a replacement car?

Yes. Nova Motor Assist provides a like-for-like replacement while your claim is handled.

5. Can I claim loss of earnings?

Yes. Loss of earnings and other out-of-pocket costs can be included in your claim through ULR.

Conclusion

Being hit by an uninsured driver in the UK doesn’t mean you have to face the costs alone. With the MIB scheme and support from Nova Motor Assist, you can still secure repairs, a replacement vehicle, and recover every penny you’re owed.

👉 Don’t let an uninsured driver disrupt your life — call Nova Motor Assist and we’ll handle the entire process.