Question to the Department for Transport:

To ask the Secretary of State for Transport, if she will make an estimate of the potential impact of uninsured driving on the cost of motor insurance premiums for other motorists.

The Department for Transport is a party to the Uninsured and Untraced Drivers’ Agreements with the Motor Insurers’ Bureau (MIB), an independent organisation within the motor insurance industry and separate from Government. It is responsible for investigation and payment of compensation for victims of uninsured and untraced drivers.

The MIB is non-profit making and the Road Traffic Act 1988 provides for the MIB to cover its costs by charging a levy on all motor insurers, the levy for 2024 totalled around £507m, as shown in the MIB’s 2024 Annual Report and Accounts.

Data provided by the MIB as part of the Financial Conduct Authority's ‘Motor Insurance Claims Analysis’, published in July 2025, indicated that the cost of claims associated with uninsured drivers accounted for around 2.2% of the average premium paid by policyholders in 2024.