Traffic waiting at traffic lights
Back to Demystifying Insurance

Uninsured drivers

As a responsible driver, there are plenty of ways to protect yourself in the event of an accident. But we know that some situations are beyond your control - including being hit by an uninsured driver - and if this happens, it’s important to know you have the support of your insurer.

At RIAS, we make sure our drivers have the help they need following an accident with an uninsured driver. With access to UK-based advisors available around the clock, there’s always someone on hand to offer advice - saving you a whole lot of stress and worry along the way.

If you are in an accident caused by another driver, their insurance will usually cover any damage to your car, along with any medical expenses. If a driver is uninsured, you will not have this peace of mind and you’ll have to claim on your own policy instead - which is costly and unfair.

We believe you shouldn’t lose out in situations beyond your control. That’s why, if you are in an accident with an uninsured driver that was not your fault:

  • We will refund your excess
  • You will not lose your no-claims discount


Our Uninsured Driver Promise is provided as standard with our comprehensive car insurance policy. You will need to provide us with the make, model and registration number of the other vehicle.

Our advice if you’re in an accident with an uninsured driver

If you’re involved in a collision with a driver and suspect they’re not insured, take down as many details as you can when the accident happens. Remember to:

  • Take photographs of all vehicles involved - your smartphone camera is fine to use
  • Write down the name, address, contact number of the other driver
  • Make a note of the vehicle registration number
  • Take the contact details of any witnesses


This information is vital in proving that the uninsured driver was at fault - so make sure you take your time and get as many details as possible. It’s helpful to carry a small notebook and pen in your glove compartment, just in case.

Let the claims team know about your accident as soon as possible, no later than 48 hours after it happens. The claims line is available around the clock, so give the team a call at the soonest opportunity and they’ll guide you through the claims process.

What happens if the accident was your fault?

If you cause an accident with another driver, your insurance will pay for repairs to both your own vehicle and theirs - even if they are uninsured. The other driver’s vehicle will be covered by third party cover, but your own car will be covered by comprehensive insurance.

What if you only have third party car insurance?

If you only have third party insurance, the cost of repair to your car won’t be covered by your policy. In some cases, the Motor Insurers’ Bureau may be able to compensate you - but the process can be slow and time-consuming. They will only pay out if your accident was caused by the uninsured driver.

Whatever the situation, make sure you report your accident by calling the claims team in the 48 hours following your accident. They’re always here to help.