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Motor Insurers Bureau definition

What does Motor Insurers Bureau mean? Motor Insurers’ Bureau describes the industry-funded bodies that compensate road traffic victims where the at-fault driver is uninsured or cannot be identified (hit-and-run). In Great Britain, the MIB handles such uninsured and untraced driver claims under agreements with the government (the Uninsured Drivers Agreement and the Untraced Drivers Agreement), which operate alongside the Road Traffic Act 1988. It is funded by a levy on motor insurers, pays qualifying personal injury and, in limited cases, property damage, and may seek recovery from responsible motorists. In Northern Ireland, equivalent arrangements operate through MIB NI under separate agreements with the Department for Infrastructure. In...

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Practitioner guide to Part VI RTA 1988 and MIB: liability hierarchy, sections 148 and 151, Article 75, uninsured/untraced claims, exclusions, conditions precedent, Brexit changes and automated vehicles

Practice notes
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Introduction to Road Traffic Act 1988 and motor insurers bureau

This Practice Note offers a concise overview of motor insurance, uninsured motorists and untraced drivers, clarifying Part VI of the Road Traffic Act 1988 (RTA 1988) and the Motor Insurers' Bureau (MIB) Uninsured and Untraced Drivers Agreements.

Motor insurance in the UK is notably complex. Across much of mainland Europe, the owner insures the vehicle and the policy extends to any driver who has the owner’s permission. By contrast, UK cover is generally written for specified drivers, and frequently only for stated uses.

Part VI of the RTA 1988 requires compulsory third-party motor insurance and sets out a statutory scheme describing when an insurer must pay damages to an injured person. It gives effect to what is now Directive 2009/103/EC, the Sixth Motor Insurance Directive.

The MIB is a private organisation comprising all of the UK’s motor insurers. Operating as an insurer of last resort, it can be required to satisfy a judgment against a motorist who lacks insurance, or who cannot be traced...

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David Green
David Green

A personal injury and employment barrister with particular interest and expertise in occupational disease, military and international claims, and in discrimination and whistleblowing cases....

Charley Turton
Charley Turton

·       Charley joined 12KBW as a tenant in 2018 following successful completion of her pupillage.·       She practises in personal injury law and specialises in clinical negligence, abuse, insurance and international work.·       Charley is regularly instructed in trials, PTRs, CCMCs, interim applications and approval hearings. Charley’s paperwork practice includes drafting statements of case and advising on both liability and quantum.·       Charley has a particular interest in motor insurance. She advises both claimants and insurer clients on policy and coverage disputes. Recently Charley:was instructed in a dispute involving an infant claimant’s entitlement to recover damages from an insurer based on novel interpretations of both ‘public place’ and ‘use’ within the meaning of the Road Traffic Act 1988 and the 2002 Regulations. The matter settled on the morning of trial for a multimillion-pound sum.has advised on issues including whether an insured’s failure to disclose a part-time occupation can be...

Jake Loomes
Jake Loomes

Jake Loomes is a barrister at 12 King’s Bench Walk. Jake’s work includes personal injury, industrial disease, indemnity, contractual disputes, clinical negligence, international, and military claims. Prior to joining 12 KBW, Jake worked as a paralegal for the Infected Blood Inquiry. Jake has significant practical experience having worked for several leading national law firms working on, amongst other things, subrogated motor recoveries, personal injury, and consumer rights claims.Jake has a wide array of previous academic and practical experience with sports and related legal issues. He graduated top in his class in his ‘sport and the law’ module in which he wrote variously on issues such as anti-doping, CAS, the effectiveness of sport national governing bodies, and the legal ramifications of injuries caused in competitive sport....

Rebecca Henshaw-Keene
Rebecca Henshaw-Keene

Rebecca joined Chambers in October 2023 following the successful completion of her pupillage.She accepts instructions in all of Chambers’ practice areas. She appears in Court several times a week in fast track and small claims personal injury matters, applications and interim hearings. Rebecca has a growing paperwork practice across Chambers’ core areas. She has a particular interest in employers’ and occupiers’ liability and has acted for a range of public bodies including the NHS and the MOD. Recent instructions include an accident at work involving a chronic pain condition. She also has a growing industrial disease practice. Prior to pupillage, Rebecca worked for eighteen months as a paralegal to a personal injury silk specialising in catastrophic injury.Before coming to the Bar, Rebecca worked in the NHS and local authorities on health service planning and management, experience she brings to her practice. She was also an...

Jessica Muurman
Jessica Muurman

Jessica joined 12KBW in October 2024, following the successful completion of her pupillage. She practises in all areas of personal injury, including clinical negligence, industrial disease, international and travel, and indemnity and insurance. Jessica studied biomedical sciences, where she graduated with a first-class degree. In her legal studies, Jessica obtained a distinction in both the GDL and Bar Course, and was supported by Inn and institution scholarships....

Web page updated on 21/05/2026

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