MIB claim

vax2002

MIB, despite what its website may say will pay out if, :
No other insurance covers the loss.
The person responsible has been identified.
Other than this you have to make a special dispensation claim to them which is heard by a panel and decided upon at discretion.
If you have a valid crime number that will help.

The myth is they just pay out if you claim someone smashed your car up and drove off, they dont, for if they did everyone would just claim from them when they bump the car and make up a sob story.
If you have fully comprehensive, they will instruct you to claim on that first.

neilmcl

vax2002 wrote: »

MIB, despite what its website may say will pay out if, :
No other insurance covers the loss.
The person responsible has been identified.
Other than this you have to make a special dispensation claim to them which is heard by a panel and decided upon at discretion.
If you have a valid crime number that will help.

The myth is they just pay out if you claim someone smashed your car up and drove off, they dont, for if they did everyone would just claim from them when they bump the car and make up a sob story.
If you have fully comprehensive, they will instruct you to claim on that first.

Again some of this is incorrect. The MIB will allow a claim even if you have comprehensive cover yourself.

Quentin

vax2002 wrote: »

If you have fully comprehensive, they will instruct you to claim on that first.

Ignore this.

It is not a requirement of the MIB scheme that comprehensive policyholders must claim off their own insurer.

vaio

and the driver doesn't need to be identified, either the driver OR the car must be identified

Trebor16

Sgt_Pepper wrote: »

It's one check and takes minutes.

Very true, even if it is beyond a basic partial reg number search a good PNC operator will be on to it in minutes.

i_wanna_save_money!

I'm not sure what to do now, there is no identification of car or driver as basically what happened was that I was hit from the side, shunted into the next lane and by then time I realised what had happened I looked up and the car was zooming off into the distance. As I said, I got a partial reg and the police checked cctv and that was that. I've got a police ref number and am also fully comp on insurance. This was almost a year ago as well so don't know if they could check records at this point (I don't have the partial reg although I gave it to the police at the time).

Quentin

It doesn't look too good. It won't cost you to ring MIB and ask what your chances are of using them with no full id of the vehicle (explain what happened, and police involvement).

If MIB can't help, it won't be too late to make a claim off your own policy if you want to, (the one in force at the time of the incident), though that would be a fault claim, meaning paying your excess and losing some NCD if it's not protected.

(Though you may have issues with your current insurer if you haven't disclosed this incident to them)

mawey

i_wanna_save_money! wrote: »

I'm not sure what to do now, there is no identification of car or driver as basically what happened was that I was hit from the side, shunted into the next lane and by then time I realised what had happened I looked up and the car was zooming off into the distance. As I said, I got a partial reg and the police checked cctv and that was that. I've got a police ref number and am also fully comp on insurance. This was almost a year ago as well so don't know if they could check records at this point (I don't have the partial reg although I gave it to the police at the time).

I have claimed through the MIB back in 2008/2009 and it was fairly straight forward..

Your Vehicle
This has to be claim via your own insurance company
(I lost my no claims bonus) our premium didnt go up too much tho.


Injuries / Loss of earnings ect.
You can claim these via MIB, I think the only situplation is that you had to contact the Police within 7 days of the accident.

When you get in touch with the MIB, tell them you want to make a claim under the "Untraced driver agreement".

The forms are easy to fill in and they will need they ask for a description/drawing of the accident, police ref numbers (all normal things you would tell your insurers after an accident).

They arrange for a medical, if there were personal injuries and ask for a disclosure to be signed to release your doctors/hospital notes.

Overall I think my claim from start to finish (cheque in bank) took about 1 1/2 years.

Either way ask for the forms, see what you think, if you can manage them on your own you won't have to pay fees to a company to do them

Quentin

mawey wrote: »

I have claimed through the MIB back in 2008/2009 and it was fairly straight forward..

Your Vehicle
This has to be claim via your own insurance company

No.

You can claim for damage to your own vehicle off the MIB.

(The OP's problem remains he cannot identify the hit and run vehicle)

vaio

yep, MIB will cover your car damage, what you can't do is go with your own company (maybe for speed/convenience) and then reclaim the costs from MIB.

Having said that, if you could find a credit hire/repair company to take it on then I think their costs would be payable