Whither the MIB

1

• W(h)ither the MIB
• A Presentation for
• The Insurance Institute of London
• by
• MR R D SNOOK
• Technical Director
• MIB
• 11 October 2001

2
Who or What is the MIB?
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What is its function?
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To whom does it answer?
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Uninsured Driving Scale of Problem
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Vehicle Population Vehicles with current
licences (millions)
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Table showing number of applications (all
classes) made to MIB
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Convictions for the Offence of Uninsured Motoring
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Who is the Uninsured Motorist?
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(No Transcript)
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Where does the Uninsured Motorist live/have his
accident?
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UK Hot Areas
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What is being done?
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• Pressure by Motor Insurance Industry
• Clamping of untaxed vehicles
• Photos on driving licences
• No blanket certificates
• Motor Insurers Database

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M.I.D

• Identification of insurer from registration
  plate
• Access by Insurers, Police, MIB
• All vehicles by January 2003
• Will ensure compliance with 4th Directive

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New Development 4th Directive - effective Jan 2003

• Rights for victims of accidents abroad
• Direct right of action against insurers
• Representatives in every EU State
• Information Centre (MIB/MIIC)
• Compensation Body (MIB)

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5th Directive

• Increase in minimum compulsory insurance
  levels
• Exclusion of TP excesses
• No fault cover for pedestrians and cyclists
• False plates - vehicle normally based in country
  of accident
• Random insurance checks banned for foreign
  vehicles

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• Direct right of action
• 4th Directive to apply to all accidents
• Compulsory European cover at no extra premium
• Requirement to provide proof of NCB

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MIB will continue to provide the services of

• Guarantee Fund
• Green Card Bureau to all jurisdictions of the
  UK, plus the functions of
• Information centre, and
• Compensation body