Uninsured driver promise: What does it mean?

This is a feature on many comprehensive car insurance policies that means you won’t lose your no claims discount and you’ll have your excess reimbursed if you’re hit by an uninsured driver.

Uninsured driver promise: The long answer

The uninsured driver promise is a term that refers to a guarantee provided by some car insurance companies in the UK. It ensures that if you are involved in an accident with an uninsured driver who is at fault, your insurance company will still cover the costs incurred, such as repairs and medical expenses.

In the UK, it is a legal requirement for all drivers to have valid car insurance to protect themselves and others on the road. However, unfortunately, there are still some drivers who choose to drive without insurance, which is illegal and poses a risk to other road users.

The uninsured driver promise is designed to provide peace of mind to UK drivers by offering protection in the event of an accident with an uninsured driver. It means that even if the other driver does not have insurance or cannot be identified, your insurance company will step in to cover the costs.

This promise helps alleviate some of the financial burden that can arise from accidents with uninsured drivers. It ensures that innocent drivers are not left out of pocket or forced to make a claim on their own insurance, potentially affecting their no-claims bonus and leading to increased premiums in the future.

It is important for UK drivers to check with their insurance providers if they offer an uninsured driver promise and understand the specific terms and conditions associated with it. This way, they can have the confidence that they are protected in case of an unfortunate encounter with an uninsured driver on the roads of the UK.