Motor insurance is compulsory in the UK under the Road Traffic Act and BIBA aims to ensure that all motorists can access affordable motor insurance suitable for their needs.

The number of uninsured motorists has been rising and BIBA, working with the Motor Insurance Bureau seeks to reduce this trend as the cost of compensation and damages resulting from accidents caused by uninsured drivers is paid for from the premiums of law abiding motorists.



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BIBA's Calls to Action and Commitments on Motor

Each year BIBA campaigns on a number of issues and commits to a series of actions - these calls for action and commitments can be found within our manifesto.

Find out more in the BIBA 2016 Manifesto

Motor Insurance Guides

BIBA has put together the following motor insurance guides that will help those that find it difficult to access motor insurance. They provide tips and advise you on how to get specialist help and guidance on what you should do if you’re involved in an accident.

The world of motor insurance is extremely complex, so always talk to an insurance broker. As an independent expert, they will help you decide what sort of cover you need, and choose the right insurer to meet your requirements at the most reasonable cost.

An insurance broker will put your interests first. They work for you, not the insurance company. So you can be sure of impartial advice at all times, a choice of the products available, and a helping hand.

See all motor guides and information


The insurance industry has a common goal with the Government to make roads safer. We know that the Government has been looking at a number of options to improve road safety and that work should continue.

In particular, BIBA will work with the Department for Transport (DFT) to better articulate the benefit of telematics to young drivers and their parents. Young drivers represent the largest proportion of uninsured drivers. Of an estimated 1.2 million drivers aged 17-20, 20% are uninsured.

BIBA welcomes research by the Road Safety Foundation, issioned by Ageas and in conjunction with ingenie, showing that an Insurance Premium Tax (IPT) break on young driver telematics products would lead to safer roads and more insured drivers. It would mean a net benefit to the UK economy of £500 million at a cost benefit ratio of more than three to one.

Young drivers make up just 12% of licence holders but are involved in 25% of road deaths and serious accidents, which tend to be more expensive in terms of claims. The increased number and costs of accidents involving young drivers mean their insurance premiums are much higher. The ABI average premium for young drivers is £1,328.

Telematics offers young people in particular a realistic route to gaining affordable insurance.

Safer drivers are rewarded with lower premiums.

Andy Watson, CEO Ageas UK, explains the business case:

“Removing IPT on telematics products would increase take up and promote safer driving among young people. It would reduce the number of serious road crashes – which cost the economy an average £400k each according to the Department for Transport.

As IPT is currently levied at 6% for motor insurance policies and the average telematics policy costs around £1,000 per annum, research shows scrapping IPT for under 25s would only cost HM Treasury £19.5m in the first year, with a projected cost of £199m over seven years. The estimated benefit over the same period would be £699m, leading to a £500m saving to the economy.

This demonstrates an excellent return of over three times the investment, but would also result in safer roads and cheaper motor premiums for young drivers. This is a modern solution that is available now for the Government to implement. BIBA and Ageas strongly believe this is the right course of action.”


MyLicence is an insurance industry initiative which will give brokers, insurers and other providers, the ability to make driver licence checks with the DVLA.

This will mean that information on the type of licence held, the number and type of motoring convictions can now be validated automatically and should help to prevent fraud, saving honest motorists around £15 per policy.

The biggest change that brokers will need to make is to start collecting driver licence numbers when quoting. Undergoing a licence check with MyLicence is not compulsory for policyholders, however some insurers may choose not to offer cover if a driving licence number is not supplied as they may suspect fraud.

Conference Motor Debate Session

A panel debate between a motor broker, an insurer, a car manufacturer and a representative from Thatcham research.

More videos can be found in BIBA TV

BIBA Motor Panel committee

BIBA’s Motor Panel represents and protects the interests of BIBA members and their clients on all motor insurance related matters. The expertise and influence of the Panel is recognised not only within the insurance market but also by government, other trade bodies and the media.

Broker Magazine

BIBA produces a quarterly magazine, The Broker, which aims to give members of BIBA and relevant stakeholders information and insight about BIBA membership, initiatives and campaigns.

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Whatever type of insurance you need to find, BIBA can connect you with a broker who can help. Please use the search below or call our Find a Broker Service on 0370 950 1790.

*Members of the Armed Forces have particular insurance needs. BIBA members making a commitment under the Covenant and which help meet these needs can be found here