Uninsured drivers benefits with Hastings Direct

Protect yourself against costly damage and limit the financial impact of a collision with an uninsured driver with car insurance from Hastings Direct.

At Hastings Direct, we make sure safe, responsible drivers are rewarded for their good driving habits. If you're involved in a non-fault accident with an uninsured driver, the damage done is often costly, but our Defaqto 5 Star-rated policies will safeguard you so long as you can:

  • 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.

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.

Uninsured drivers benefit

Being involved in a car accident's stressful enough, let alone if you were to later discover the other driver's uninsured.

If you're hit by an uninsured driver, this changes the way you can claim for an accident. Depending on what the type of car insurance you have, you could potentially lose your excess and no claims discount (NCD), and find yourself having to foot the repair bill.

Uninsured drivers: the statistics

Driving without car insurance is against the law and anyone caught in the act faces an unlimited fine plus up to eight points on their licence. Uninsured drivers could also see their cars being seized and destroyed.

Although illegal, data from the Institute of Advanced Motorists (IAM) reveals that over 225,000 drivers in the UK have incurred points on their licence for driving uninsured cars. People aged 25-35 are most likely to dodge insurance, whilst those aged 65 and up are the least likely to commit an offence.

According to the Motor Insurers' Bureau (MIB), the level of uninsured driving's halved in the past decade, though there's been a recent rise: claims against uninsured drivers rose by 10% between July 2014 and July 2015.

Not only are uninsured drivers making our roads more dangerous — they're statistically more likely to be involved in an accident — but they're also leaving honest drivers out of pocket. It's estimated motor fraud adds around £50 to the annual insurance bill for every single policyholder in the UK.

What to do if you're hit by an uninsured driver

It's all very well having the mind-set of 'it won't happen to me,' but the reality is 26,000 people are injured every year by uninsured drivers, says the RAC. On top of that, there are around 130 fatalities.

If you've been involved in an accident and suspect the other driver doesn't have insurance, the first thing you need to do is gather as much information as possible from the other person — their name, contact details, the make and model of their car, and the registration number. You also need to record details of the date, time and location of the accident, and if you've got access to a camera, take some photos of the damage as these could prove useful later on.

Regardless of how severe the collision is, you should always report the incident to the police, ideally within 24 hours. This is particularly important if you find yourself dealing with an uninsured driver.

Making a claim

If you have a comprehensive car insurance policy, you're able to make a claim through your insurer. However, bear in mind doing this could affect any NCD you've built up over the years.

The unfortunate fact is you could be the one losing out in the event of an accident. Whilst some insurers — such as Hastings Direct — offer additional protection from uninsured drivers, others leave you more exposed to risk. Not only will you lose discounts and excess, but you might also have to pay for repairs to be carried out on your car.

In some cases, your insurer will waive the excess and protect your NCD. But, for them to do so, you must meet a certain set of criteria which typically includes:

  • You being able to provide the information of the other driver, including the car make and model and registration number.
  • The insurer's able to confirm you were not at-fault for the accident.
  • That you correctly submit all information about the other driver plus any witnesses that were present when the incident occurred.

If you're found responsible for causing the accident — regardless of whether the other driver was uninsured — you're unable to claim anything from the other party. However, if the other driver's found to not have insurance then they'll still face a fine and points.

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