What happens if the other driver was uninsured?

As part of our Uninsured Driver Promise, we'll refund your excess and reinstate your No Claims Discount provided:
  • the accident wasn't your fault, and the other driver wasn't insured
  • you provide us with the make, model and registration number of the car that hit you
  • you can give us the other driver's name and address
  • you have names and addresses for independent witnesses to help confirm who is at fault
  • Section N appears on your schedule.

When you make your claim, you might have to pay your excess, and you may lose your No Claims Discount while the claim is investigated. This cover only applies to Silver and Gold Comprehensive levels of cover.

Once we're satisfied the uninsured driver was responsible for the accident, we'll refund your excess, restore your No Claims Discount and refund any additional premium you had to pay.
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