Voluntary access claim back from MIB after the car is written off

Hi All

I had an uninsured young driver crashed into my cark while it was parked at home around 2 months ago. The car has been deemed as write off.

I have received a payout summary today from my own insurance and huge £620 voluntary access has been taken off from the value of the car which equates to nearly 30%of the car value.

I am not too happy about the fact that I had to pay off the voluntary access when there is a zero fault of mine. It also means that my premium would go up next year.

My insurance company said that they will try and claim this money back from MIB but what are the chances of getting it back?

Has anyone had any similar experience and what are the chances of getting this voluntary access back from MIB? Is there anything I can do from my side to help this?



  • Smithcom
    Smithcom Forumite Posts: 228
    100 Posts Second Anniversary Name Dropper
    I'm no expert on the MIB, but my understanding was that insurers cannot use it to recover their outlay.

    You may be able to recover your excess but I believe that MIB claims carry their own excess (£300) which may wpe out your claim.


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