Motor Insurers' Bureau: untraced and uninsured drivers

The Motor Insurers’ Bureau (MIB) was established in 1946 as a private company limited by guarantee for the purpose of entering into agreements with the Government to compensate the victims of negligent uninsured and untraced motorists. Every insurer underwriting compulsory motor insurance is obliged, by virtue of the Road Traffic Act 1988, to be a member of MIB and to contribute to its funding.

This note gives information on both the untraced and uninsured drivers’ schemes run by the MIB. More information can be found on the organisation’s website.

There has been a consultation to review the agreements between the government and the MIB culminating in a new agreement covering uninsured (as opposed to untraced) drivers in August 2015.