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.

What Should You Do if You’re Hit by an Uninsured Driver in the UK? - Nova Motor Assist

What Should You Do if You’re Hit by an Uninsured Driver in the UK?

Introduction

Being hit by an uninsured driver is frustrating, stressful, and confusing — especially when you realise the other driver doesn’t have valid insurance. But thousands of UK drivers face this situation every year.

So, what should you do?
And more importantly: Who pays for the damage?

This guide explains exactly what to do if an uninsured driver hits you, how claims work, and how Nova Motor Assist helps you recover your losses quickly.

Quick Summary

If you’re hit by an uninsured driver in the UK, gather evidence, report the accident, and contact Nova Motor Assist immediately. We arrange recovery, repairs, replacement vehicles, and handle claims through the Motor Insurers’ Bureau (MIB) so you’re not left out of pocket.

1. Stay Calm and Collect Essential Evidence

Even if the other driver doesn’t have insurance, your evidence will keep your claim strong.

Take:

Photos of both vehicles
Number plates
Road layout and damage
Driver’s details (name, address, phone)
Witness statements
Dashcam footage (if available)

If the other driver refuses to cooperate or drives away, record what you can immediately.

2. Report the Accident to the Police

If a driver is uninsured, you must report the accident.

Call:

999 if the scene is dangerous or someone is injured
101 for all non-emergency uninsured driver incidents

The police will issue an incident reference number — this is crucial for your claim.

Driving without insurance is illegal, and reporting it protects your claim under UK law.

3. Report the Accident to Your Insurer

Even if you are a non-fault driver, you must notify your insurer as soon as possible — usually within 24–48 hours.

This keeps your policy valid and ensures the incident is correctly logged.

But you don’t need to use your insurer for repairs or hire vehicles — Nova Motor Assist handles everything more efficiently.

4. Contact Nova Motor Assist Immediately

Being hit by an uninsured driver doesn’t mean you should suffer delays or costs.

Nova Motor Assist will:

Arrange 24/7 vehicle recovery & secure storage
Deliver a like-for-like replacement vehicle
Refer your claim through the Motor Insurers’ Bureau (MIB)
Assist with repairs through approved UK body shops
Recover your costs where possible
Provide multilingual support and manage the entire claim process

You stay mobile while we handle the legal and financial steps.

5. Claims Go Through the Motor Insurers’ Bureau (MIB)

When an uninsured driver is at fault, the claim is handled by the MIB, a UK body funded by insurers to compensate victims of uninsured or untraceable drivers.

You can claim for:

Vehicle damage
Personal injury
Lost earnings
Excess
Travel expenses
Damage to possessions

Nova Motor Assist helps you prepare and submit all documents so your claim is processed quickly.

6. Will You Have to Pay Anything?

If the uninsured driver is at fault:

You normally do not pay for recovery or repairs when handled through Nova Motor Assist.
You may initially pay your excess if going through your insurer — but we help recover it through a ULR (Uninsured Loss Recovery) claim.

With Nova Motor Assist coordinating the claim, most non-fault drivers face zero upfront costs.

7. What If the Uninsured Driver Leaves the Scene?

This is known as a hit-and-run.
You must:

Report it to the police immediately
Provide all evidence
Contact Nova Motor Assist to begin your MIB claim

Your claim is still valid, even if the driver disappears.

8. How Nova Motor Assist Helps You at Every Step

Many drivers believe uninsured driver claims take months.
That’s only true if you manage it alone.

Nova Motor Assist speeds up the process by handling:

FNOL (First Notification of Loss)
Police & insurer communication
Recovery & storage
Replacement vehicle
Repair management
MIB claims
Uninsured Loss Recovery (ULR)

You get a single point of contact — and we keep you earning, working, and driving.

FAQs: What to Do If Hit by Uninsured Driver UK

1. Can I still get a courtesy or replacement car?

Yes. Nova Motor Assist provides a like-for-like replacement, even with uninsured driver claims.

2. Who pays for my repairs?

The Motor Insurers’ Bureau (MIB) typically covers vehicle damage if the other driver is uninsured.

3. Will my insurance go up?

If you’re not at fault, your premium shouldn’t increase — especially if the MIB covers the claim.

4. Do I have to pay my excess?

Only if you claim through your insurer. Nova Motor Assist helps you recover this cost through ULR.

5. What if the uninsured driver runs away?

Your claim goes through the MIB for “untraced drivers,” and you can still receive full support.

Conclusion

Being hit by an uninsured driver is stressful — but you’re not alone, and you don’t have to cover the costs yourself.

With Nova Motor Assist, you receive fast recovery, a replacement vehicle, and professional support through the MIB process. We handle every step, so you stay protected and mobile while your claim progresses.

👉 If an uninsured driver hit you, call Nova Motor Assist immediately for expert support and a hassle-free claims process.