The Motor Insurers' Bureau (MIB) was founded in the UK in 1946 as a private

company limited by guarantee A company limited by guarantee (CLG) is a type of company where the liability of members in the event the company is wound up is limited to a (typically very small) amount listed in the company's articles or constitution. Most have no share ca ...

and is the mechanism in the UK through which compensation is provided for victims of accidents caused by uninsured and untraced drivers, which is funded by an estimated £30 a year from every insured driver's premiums.

Role and history

Its role was and is to enter into agreements with the Government as to how compensation claims from people who have been involved in accidents which were caused by uninsured or untraced drivers may be compensated. Section 95 of the

Road Traffic Act 1988 The Road Traffic Act 1988 (c. 52) is an Act of the Parliament of the United Kingdom, concerning licensing of vehicles, insurance and road regulation. Contents Part I contains a number of traffic offences including causing death by dangerous dri ...

requires every insurer dealing with compulsory motor insurance to belong to the MIB and to contribute to its funding. According to the MIB's website's

FAQ A frequently asked questions (FAQ) list is often used in articles, websites, email lists, and online forums where common questions tend to recur, for example through posts or queries by new users related to common knowledge gaps. The purpose of a ...

section, the cost of funding the MIB is ultimately borne by law-abiding motorists who pay their insurance premiums. The offices are near the junction of the

A422 The A422 is an "A" road for east–west journeys in south central England, connecting the county towns of Bedford and Worcester by way of Milton Keynes, Buckingham, Brackley, Banbury and Stratford-upon-Avon. For most of its length, it is a nar ...

(''Monks Way'') and B4034 (''Marlborough Street'') in Linford Wood,

Milton Keynes Milton Keynes ( ) is a city status in the United Kingdom, city in Buckinghamshire, England, about north-west of London. At the 2021 Census, the population of Milton Keynes urban area, its urban area was 264,349. The River Great Ouse forms t ...

MIB schemes

The MIB run three types of schemes that help the victims of negligent drivers named "The uninsured drivers scheme", "The untraced driver’s scheme" and "The green card scheme".

The Uninsured Drivers Scheme

This scheme deals with compensation claims arising out of accidents caused or contributed to by an uninsured driver. Where it is shown that no policy of insurance exists covering the responsible party’s vehicle, the MIB will consider dealing with a claim for compensation from the "victim". Liability still needs to be assessed but because the negligent (and uninsured) party has been formally identified, the MIB recognise that the innocent victim has rights of full legal redress once fault is proven. This assumes that the MIBs own claims criteria are met. Claims will be considered for the cost of repairing/replacing the vehicle (comprehensively insured policyholders precluded), hire charges, loss of use and property damage. An injured party can also claim for treatment and/or rehabilitation for pain and suffering. Legal costs are paid in full by the MIB once the claim is proven.

The Untraced Drivers Agreement (hit and run) scheme

This scheme applies to the victims of

hit and run In traffic laws, a hit and run or a hit-and-run is the criminal act of causing a traffic collision and not stopping afterwards. It is considered a supplemental crime in most jurisdictions. Additional obligation In many jurisdictions, there ma ...

driver accidents. Where the driver deemed to be responsible for an accident, leaves the scene and is not traced, the MIB will consider a claim for compensation in respect of both property and personal injury damages. There are a number of restrictions imposed with this scheme not least the fact that one cannot recover legal fees in full.

The Green Card Scheme

This scheme involves accidents caused by the negligent driving of foreign motorists. The MIB will under certain circumstances agree to step in and deal with claims from innocent victims of such accidents, rather than force the injured victim to seek compensation from a potentially uncommunicative foreign insurer. The concept of this scheme was introduced to the UK as a result of European Union (EU) legislation. The MIB is a member of the international Council of Bureaux

Scams

The MIB has issued a warning about

scammers A scam, or a confidence trick, is an attempt to defraud a person or group after first gaining their Trust (emotion), trust. Confidence tricks exploit victims using a combination of the victim's credulity, naivety, compassion, vanity, confidence ...

who spoof the MIB's telephone number and make cold calls encouraging people to make false insurance claims. This scam has been known about since at least August 2013.Scam Warning – Motor Insurer’s Bureau Claims
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Notes

External links

The Motor Insurers' Bureau
- Official website {{Authority control Vehicle insurance Insurance companies of the United Kingdom Companies based in Milton Keynes Financial services companies established in 1946 1946 establishments in the United Kingdom Driving in the United Kingdom