Uninsured driver losses

With the number of uninsured drivers rising the risk of being hit by one also increases, unfortuantly not all insurers will pay all the losses even if the accident was due to the uninsured driver. This means you could loss your no claims bonus if you haven't protected it and you may have to pay an excess.

Some insures like DirectLine insurance promise to maintain your no claims bonus and you will not have to pay an excess provided you can supply the vehicle registration number and the make and model of the car. The driver's details would be useful and if possible it also helps to confirm who is at fault if you can get the names and addresses of any independent witnesses, if available.

In most cases you may have to pay your excess and you may lose your no-claim discount temporarily. However, once confirmed that the accident was the fault of the uninsured driver, they will repay your excess, restore your no claims discount and refund any extra premium you have paid.

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