In the United Kingdom, reporting a driver to an insurance company depends on the situation. Below are common scenarios and the appropriate steps to take:

1. Reporting a Dangerous or Uninsured Driver

If you witness dangerous driving, an uninsured driver, or a hit-and-run incident, you should:

• Report the incident to the police via 999 (if urgent) or 101 (if not urgent).
• The police may share details with the Motor Insurers’ Bureau (MIB) if an uninsured driver is involved.
• If you have dashcam footage, you can submit it to the police via the National Dash Cam Safety Portal (NDSP).

2. Reporting a Driver to Their Own Insurance Company

If you are involved in an accident, you can:

• Exchange details with the other driver (name, address, registration number, insurer).
• Contact their insurer if they refuse to provide details or admit liability. You can find the insurer using the Motor Insurance Database (MID): www.askmid.com (there may be a small fee).
• If the driver is uninsured or refuses to share details, report to the MIB (www.mib.org.uk).

3. Reporting a Fraudulent or Dishonest Driver

• If you suspect fraud (e.g., staged accidents, “crash for cash” scams), report it to the Insurance Fraud Bureau (IFB) via their hotline 0800 422 0421 or online at www.insurancefraudbureau.org.
• You can also inform Action Fraud (www.actionfraud.police.uk).

4. Reporting a Driver to Your Own Insurance Company

If you need to report another driver as part of a claim:

• Provide your insurer with as much information as possible (witnesses, dashcam footage, police reports).
• If the other driver is at fault, your insurer may recover costs from their insurer.
• If the driver is uninsured, your insurer may process the claim through the MIB Uninsured Drivers Agreement.

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