Roads Policing, Insurance and Enforcement Team
Road Safety Division
Zone 3/09, Department for Transport
Great Minster House
33 Horseferry Road
London SW1P 4DR
Removal of uninsured drivers’ access to property damage compensation
- From:
- Department for Transport
- Published
- 17 March 2024
- Last updated
- 13 June 2025 — See all updates
This consultation has concluded
Read the full outcome
Detail of outcome
Government response and outcome for the exclusion of uninsured drivers from property damage compensation consultation. We have found that there is strong support for our proposals and will implement these at the earliest opportunity.
Original consultation
Summary
Proposes denying property damage compensation for uninsured road vehicle drivers involved in accidents with other uninsured or untraced drivers.
This consultation closesran atfrom
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Consultation description
We are proposing the reintroduction of an exclusion previously removed because of incompatibility with European Union (EU) law, so that uninsured drivers are no longer able to claim compensation for property damage from the Motor Insurers’ Bureau (MIB). Currently, uninsured drivers are able to claim this compensation if involved in an accident with:
- other uninsured drivers
- untraced drivers
The MIB is responsible for compensating drivers involved in an accident with an uninsured or untraced driver. The MIB covers its costs by means of a levy on all motor insurance companies, which might in turn pass this particular cost onto law-abiding premium-paying motorists who do insure their vehicles.
Now the UK is outside the EU we are no longer required to be subject to EU law and can proceed to make this change.
Ways to respond
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Updates to this page
Published 17 March 2024
Last updated 13 June 2025
href="#full-history">+ show all updates
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Government response added.
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First published.
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Consultation description
We are proposing the reintroduction of an exclusion previously removed because of incompatibility with European Union (EU) law, so that uninsured drivers are no longer able to claim compensation for property damage from the Motor Insurers’ Bureau (MIB). Currently, uninsured drivers are able to claim this compensation if involved in an accident with:
- other uninsured drivers
- untraced drivers
The MIB is responsible for compensating drivers involved in an accident with an uninsured or untraced driver. The MIB covers its costs by means of a levy on all motor insurance companies, which might in turn pass this particular cost onto law-abiding premium-paying motorists who do insure their vehicles.
Now the UK is outside the EU we are no longer required to be subject to EU law and can proceed to make this change.
Ways to respond
or
Complete a response form and
either
Email to:
Write to:
Share this page
The following links open in a new tab
Updates to this page
Published 17 March 2024
Last updated 13 June 2025
href="#full-history">+ show all updates
-
Government response added.
-
First published.