Car Insurance For Uninsured Drivers

If you drive without car insurance you face a fixed penalty notice of 300 fine and up to six penalty points on your licence.

Car insurance for uninsured drivers. However if the other driver is uninsured or refuses to give you their details you should report them to the police. Uninsured drivers are a massive burden for uk road users. You can check whether another vehicle is insured by going to the askmid. What if i m hit by an uninsured driver.

The cost of compensating the victims of uninsured drivers is added on to your car insurance premiums making them more expensive than they should be. Save money in the long run by always insuring your vehicles. The primary function of uninsured motorist coverage is to pay medical bills after a car accident with an uninsured driver. If you have good health insurance you may not feel you need um coverage.

Lifetime guarantee on repairs for as long as you own the car 5. The nationwide uninsured motorist um rate increased from 12 3 percent in 2010 to 13 percent in 2015. Car insurance can be costly for people with previous claims against uninsured drivers. What are uninsured drivers costing you.

Provide us with the make model and registration of the uninsured driver s car where possible provide us with the name and address of the uninsured driver. This guide explains how to prevent your insurance costs from rising. An uninsured driving incident will be considered as part of your driver profile and increase your car insurance rates. An uninsured driver is usually covered by your auto insurance while she s behind the wheel of your car because insurance follows the vehicle this means that regardless of the driver an insured vehicle will cover the driver as long as the policy does not expressly exclude a non owner driver from coverage.

Not only do honest motorists have to bear the brunt by paying higher car insurance premiums a claim against an uninsured driver can be a complicated and drawn out process. Get defaqto 5 star rated car insurance 2 you can count on we pay out 99 3 of car insurance claims. About one in eight drivers on the road in 2015 was uninsured according to the latest data from the insurance research council irc. Uninsured driver promise 4.

You do have the choice of processing a claim through the mib though if you have a hastings direct insurance policy we recommend giving us a call so we can help speed up the process and get you back on the road as soon as possible.