Uninsured Driver Promise

If an uninsured driver hits you and it’s not your fault, you shouldn’t be penalised.

So, if that ever happens, you won’t lose your No Claim Discount with us and we’ll cover your excess.

We call this our Uninsured Driver Promise, and it’s included as standard with our Essentials, Comprehensive, and Comprehensive Plus cover.

Need to make a claim?

You can make your claim online or over the phone.

When you do, have the following details about the uninsured driver to hand:

  • Vehicle registration number
  • Make and model of their vehicle
  • The driver’s details (if possible)
  • Names and addresses of any independent witnesses

What if the investigation is ongoing?

If your investigation is ongoing, you may have to pay the excess, and you could temporarily lose your No Claim Discount.

But don't worry. Once it's confirmed that the uninsured driver was at fault, we'll repay your excess, restore your No Claim Discount, and refund any extra premium you paid.