MASS Sheffield

Neil Drane ACII Chartered Insurer

Head of Enforcement Services, MIB

MASS Sheffield

Agenda

• The problem of Uninsured driving

• How MIB is tackling the problem

• Revolution or evolution

• Current / future challenges

MASS Sheffield

Public Domain

Slide 2

Mass Sheffield

Our Mission

To deliver first-

class, secure, data

asset management

and analytical

services on behalf

of our Members &

the industry

To significantly

reduce the levels

and impact of

uninsured and

untraced driving in

the UK

To compensate

victims of

uninsured and

untraced drivers

fairly and

promptly

MASS Sheffield

Public Domain

Slide 3

MASS Sheffield

MASS Sheffield

Public Domain

Slide 4

MASS Sheffield

Total cost of uninsured motoring: £400 million

Total UK vehicles: 41.2 million

Number of uninsured vehicles: 1 million

Injured victims: 29,000

Deaths: 120

Uninsured driving in numbers

MASS Sheffield

Public Domain

Slide 5

MASS Sheffield

How are we tackling Uninsured driving

MASS Sheffield

Public Domain

Slide 6

• Detection

• Enforcement

• Prevention

MASS Sheffield

Detection

MASS Sheffield

Public Domain

Slide 7

• Built MID with Industry and business partner support

• >1bn records

• 7 years of data

• Managed via MIB Articles – Time To Supply Data

• Accessed by various legitimate parties inc. You

• Security is key but accessed c.65m times in 2016

• 24m of which is police i.e. 2,800 p.h.

• Police Helpline taking c.160k calls p.a.

MASS Sheffield

Enforcement

MASS Sheffield

Public Domain

Slide 8

• New Primary and Secondary Regulations required

• MID – TP Risk Regulations

• ANPR data sharing

• S165 powers to seize

• Developed and implemented Police helpline

• Dedicated Police Liaison Officers – Nat Gov Boards

• Weekly “hot lists” and other regular “intel”

• OpDriveInsured

MASS Sheffield

Prevention

MASS Sheffield

Public Domain

Slide 9

• Continuous Insurance Enforcement – CIE

• Statutory Requirement – Compliance element by MIB

• Launched in June 2011

• c. 4.2 million letters issued

• More than 135,000 successful prosecutions in Court

• c. 1.2m FPN’s issued and paid

MASS Sheffield

What are the results so far?

Changing uninsured driving together

Uninsured vehicles seized:

2005: 45,000

2006: 78,000

2007: 150,000

2008: 185,000

2009: 180,000

2010: 150,000

2011: 140,000

2012: 137,000

2013: 135,000

2014: 116,000

2015: 121,000

2016 146,000

2017 140,000 Est.MASS Sheffield

Public Domain

Slide 10

What are the results so far?

MASS Sheffield

Public Domain

Slide 11

MASS SheffieldMIB Gross Levy 2005 to date

MASS Sheffield

Public Domain

Slide 12

MASS Sheffield

MIB Long Term Financial Model Levy Calls to 2018

MASS Sheffield

Public Domain

Slide 13

MASS Sheffield

Revolution or Evolution

MASS Sheffield

Public Domain

Slide 14

• Communications & Awareness

• UID Study with University of Leicester

• Victim Impact study

• Operation Tutelage - different intervention approach

• Operation SNAP

• Commercial approach to tackling the issue

MASS Sheffield

Evolving future issues

MASS Sheffield

Public Domain

Slide 15

• VNUK

• Autonomous vehicles

• Digital “CRASH” reporting

• Police implications

• Public implications – change law, buy-in, service

capability

• BREXIT – cross border issues

• Discount rate

• Ever reducing Police resources

VNUK - The facts of the case

MASS Sheffield

MASS Sheffield

Public Domain

Slide 16

MASS Sheffield

Possible ramifications

• Vehicles within the Directive definition need to be:

– Compulsorily insured

– MIB to pick up claims if not

– Derogated (MIB to pick up claims)

• Insurance needs to be compulsory beyond just “road” and “public place”

– Private land

– Factories/farms

– Air-side?

MASS Sheffield

Public Domain

Slide 17

MASS Sheffield

MASS Sheffield

Public Domain

Slide 18

MASS Sheffield

Any

Questions?

MASS Sheffield

Public Domain

Slide 19

MASS Sheffield

Neil Drane ACII

Head of Enforcement Services

Email: ndrane@mib.org.uk

Motor Insurers’ BureauLinford Wood House 6-12 Capital DriveMilton Keynes MK14 6XT

Tel: 01908 830001www.mib.org.uk

facebook.com/driveinsured

twitter.com/driveInsured

youtube.com/driveinsured