Unfortunately many people discover after they have been involved in a road traffic accident that for some reason their insurance is invalid, so what can be done?

The Motor Insurers Bureau

The MIB as it is usually known is the organisation that pays the victims of uninsured motorists so whatever happens, if it turns out that you were not insured and were to blame, the person who was injured or whose property was damaged should not be adversely affected by your lack of insurance (unless he or she is also uninsured).

The MIB is primarily funded by a percentage of the motor insurance we all pay.

However, once they have settled the claim(s) made against you, they will look to recover from you all the expenditure they have paid out. They may however agree to payment by installments.

If the vehicle was insured..

..but you were not covered to drive it, then the insurers of the vehicle will have to make payment in the same way as the MIB and similarly will look to you to repay their expenditure.

What if the accident was not your f