Tuesday, 21 January 2020

Uninsured vehicles accounted for over 70% of MIBI claims in 2019

The Motor Insurers’ Bureau of Ireland (MIBI) says the high number of claims relating to uninsured drivers they received during 2019 underlines the importance of the automatic number plate recognition system (ANPR).  The new ANPR system allows An Garda Síochána to more easily detect if a vehicle is being driven without insurance by checking the registration plate.

This follows the release of the MIBI’s claims figures for 2019, which showed that uninsured drivers accounted for over 70% of the total claims received. 

The overall level of MIBI claims was consistent between 2019 and the previous year. In 2019 the MIBI received 2,540 claims, down 12 from 2,552 in 2018. This represents a change of less than 0.01%.

The number of uninsured claims numbers also remained static over the two years with the MIBI receiving 1,787 claims relating to uninsured vehicles in 2019, compared to 1,788 in 2018. 

The MIBI is a not for profit organisation that was established to compensate victims of road traffic accidents caused by uninsured and unidentified vehicles.

The highest number of overall claims in 2019 came from Dublin (1,172), Cork (200), Limerick (137), Louth (108) and Kildare (105).

The county with the highest percentage increase in claims was Kilkenny, which recorded a 62% jump in claims, followed by Clare (32% increase) and Longford (30% increase).  The largest percentage decrease was in Roscommon (65% reduction in claims), followed by Monaghan (down 47%) and Laois (down 40%).

Speaking about the claims figures, David Fitzgerald, Chief Executive of the MIBI said, “Looking at the numbers it is clear that there has been very little change in the level of claims received by the MIBI over the course of the past two years. It is particularly concerning that there has been no movement on the number of claims relating to uninsured vehicles, which suggests there continues to be a substantial number of uninsured vehicles driving on Irish roads. 

“The MIBI hopes that the rollout of the new automatic number plate recognition system will make it easier and more simple for the Gardaí to identify uninsured drivers. The initial phase is now in operation and that is expected to be further expanded in the coming months. This will make it very difficult for uninsured vehicles to be driven without being detected. They will then face heavy penalties. Anyone caught driving without insurance can have their vehicle seized on the spot, will face a mandatory court appearance, a heavy fine and five points on their licence.  

“Uninsured driving is illegal and represents a real threat to Irish road safety. We believe the introduction of ANPR will tighten the net on uninsured drivers and will make a significant, positive impact towards Irish road safety,” Mr. Fitzgerald concluded.


Please see below the overall claims statistics for the MIBI for 2019 as well as 2018 on a county by county basis. These are listed on a county by county basis, with the change in number of claims and the percentage change also listed.