Guide to uninsured drivers


There are one million uninsured drivers on the road

At Swinton, we want to ensure you’re not penalised if you’re involved in an accident that’s not your fault, with a driver who is uninsured. 

Does my Car Insurance policy cover me against uninsured drivers?

Our Classic and Premier comprehensive car insurance policies cover you against uninsured drivers. 

What if I need to claim against an uninsured driver?

If you need to make a claim against an uninsured driver, you’ll need to make sure you provide us with the following information for your claim to be successful:

  • The registration and model of the other vehicle
  • The other driver’s details, including their name and address

How's my excess/NCB affected if I'm hit by uninsured drivers?

While your claim is being investigated

While investigations are ongoing, you may have to pay the amount of your excess and lose your no claims bonus.

If your claim is successful

If we establish the other driver is uninsured, and the accident is their responsibility, your excess will be refunded. Plus, your no claims bonus will be reinstated, and you’ll receive a refund for any additional premium you may have paid.

Who pays for damage caused by an uninsured driver?

Your policy will cover you for any damage caused to your car by an uninsured driver. 

What we don’t cover you for

If we’re unable to trace the person responsible for the accident, or if it is proven that you caused the accident, we will handle your claim, but you will not be able to use the uninsured driver protection cover.

Find out more about Car Insurance from Swinton

  • Car Insurance - Car insurance made clear and simple, with three comprehensive cover options for you to choose from

See our car products