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.
The Motor Insurers’ Bureau is a company limited by Guarantee registered in England and Wales under company number 412787 whose registered office is at Linford Wood House, 6-12 Capital Drive, Milton Keynes MK14 6XT.
Claims Explained
The Motor Insurers’ Bureau is a fund of last resort and as such will consider claims for property damage and injury where compensation cannot be claimed from another source. The Bureau’s obligation is to handle claims in accordance with the agreements between MIB and the Government. MIB is restricted to paying compensation in respect of liability for property damage or injury arising from an accident that has occurred either on a road or a public place in accordance with the Road Traffic Act 1988 and subsequent regulations. MIB is also the UK Green Card Bureau and can be contacted when the driver of foreign registered vehice is being held responsible for an accident which has occurred in the UK.
Submitting a claim
To make a claim under the Uninsured or Untraced Drivers’ Agreements you will need to complete a claim form which can be accessed by the link below. Claims may be submitted direct by a claimant, through a solicitor or other appointed representative. Advice may also be provided by the local Citizens’ Advice Bureau. Claims will be dealt with in accordance with the appropriate agreement and the law. It is important to ensure that the police have been informed of the accident as part of the requirements under the agreements. To make a claim under the Green Card system, if you have the name of the insurer or a Green Card number, firstly check whether there is a UK agent for the foreign insurers from the “UK Represenatives of Foreign Insurers” page. If there is an agent you should direct the claim to them. If there is no agent identified you should complete the general claim form which can be accessed from the link below. If the accident occurred abroad the MIB claim form is not applicable. You should write to us with full information.
Accidents in the UK
This section contains details of the MIB’s role regarding claims for accidents that occur when driving in the UK. More detail can be found in the sub-sections below.
Untraced Drivers Agreement
The MIB compensate victims of negligent untraced drivers under the terms of this agreement. For details of all of our agreements please go to the Agreements Section of the Downloadable Document Channel.
Uninsured Drivers Agreement
The MIB compensate victims of uninsured drivers’ under the terms of this Agreement . For details of all of our agreements please go to the Agreements Section of the Downloadable Document Channel.
Green Card System
MIB acts as the deemed insurer of visiting motorists for the purpose of paying claims. If the negligent vehicle was foreign registered, the claim may be considered under the green card system.
Accidents Abroad
- Information to assist you if you have been involved in an accident abroad.
- What to do if you are involved in an accident abroad
- Information to assist you in making a claim
- Useful information that will assist you in making a claim following an accident abroad.
Fourth Directive
This explains the provisions of the Fourth Directive, now incorporated into the Codified Directive 2009/103/EC
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