What happens if I'm hit by an uninsured driver?

If the driver has stopped at the scene, you should try to collect as much information as possible including their name, address and telephone number.

If safe to do so, try to make a note of:
  • the registration number
  • the make and model of the vehicle
  • the driver's name and address, telephone number, email address or any other contact information available
  • the names and contact details of any witnesses, and
  • take pictures of the damage
Finally, call the police and notify your insurer that the other driver is potentially uninsured.

If you have comprehensive insurance, the damage to your vehicle will be covered and you won't have to pay your excess if the driver at fault is identified.

However if the driver at fault isn't identified you'll have to pay your excess and lose some No Claim Discount if it's not protected. This is because the claim would be classed as a 'non-recoverable' claim (also known as a 'fault claim') which means we cannot recover costs from another party. 

If your policy is Third Party, Fire and Theft, you won't be covered for damage to your vehicle.