MIB

What MIB does

MIB (Motor Insurers' Bureau) is a UK private company limited by guarantee, founded in 1946 and headquartered in Milton Keynes, that operates the statutory arrangements for compensating victims of uninsured and untraced (hit-and-run) drivers on behalf of the Secretary of State for Transport. Approximately 500 employees deliver claims services via the MIB Claims Portal and MIB Identity Portal, with ongoing support to roughly 30,000 victims annually. The organisation is funded primarily through a levy on UK motor insurers and operates four wholly-owned subsidiaries — Official Injury Claim Limited, MIB Management Services Limited, MIB Portal Services Limited, and Tracing Services Limited — alongside the related Insurance Fraud Bureau (IFB) and partners Claims Portal Limited (CPL), Employers Liability Tracing Office (ELTO), and Official Injury Claim (OIC).

The core technology asset is Navigate, the central UK Motor Insurance Database that consolidated the legacy MID and MIAFTR systems in November 2025. Navigate houses Motor Insurance Policy Data (MIPD) and Vehicle Salvage and Theft Data (VS&TD), giving it comprehensive coverage of all insured UK vehicles. Surrounding services include askMID (public Check Your Vehicle and third-party lookup), the Claims and Underwriting Exchange (CUE) for motor/home/personal-injury fraud prevention, MyLicence for DVLA driving-licence access during underwriting, a 24/7 Police Helpline for roadside insurance verification, and the Continuous Insurance Enforcement (CIE) scheme which cross-references DVLA records against Navigate to identify uninsured vehicles. MIB is ISO 27001 and ISO 22301 certified and holds UK trademarks across MIB, askMID, CUE, askCUE, Navigate and the towtruck logo.

Go-to-market is hybrid: enterprise services for insurers, brokers, solicitors and police via the Navigate platform and dedicated data-services portals (subscription/annual billing under industry agreements); and direct-to-consumer services via Check Your Vehicle and the Claims Portal (free to users). Marketing reaches both audiences through organic social (LinkedIn, TikTok, Instagram, YouTube, Facebook, X @driveinsured), website/educational content, and enforcement-focused PR campaigns including Project EDWARD partnerships.

Name

MIB

Legal name

Motor Insurers' Bureau

Website

https://mib.org.uk

Company type

Private

Founded year

1946

Operating status

Operating

Headcount range

501–1,000 employees

Short description

MIB (Motor Insurers' Bureau) is a UK industry-funded statutory body that compensates victims of uninsured and hit-and-run drivers and operates Navigate, the central database of all UK insured vehicles, serving insurers, police, solicitors and government.

Ownership category

akta.pro rank

Product category

Motor Insurance Database and Compensation Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Motor insurance database
• Uninsured driver compensation
• Insurance data services
• Claims management services
• Insurance fraud prevention

Headquarters

HQ city

Milton Keynes

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Others

Revenue model

1. Industry Levy: MIB is funded by a levy paid by motor insurers operating in the UK. This funding supports the compensation of uninsured driver victims, database maintenance, and operational costs.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

MIB operates the central UK Motor Insurance Database through its Navigate platform, providing insurers, brokers, solicitors, police, and government agencies with real-time motor insurance policy data, vehicle salvage and theft records, claims history checks, and driver licence verification. The organisation also processes compensation claims for victims of uninsured, untraced, foreign-registered, or terrorism-related motor incidents under statutory agreements with the Department for Transport, and runs public-facing services such as Check Your Vehicle.

Product overview

MIB (Motor Insurers' Bureau) operates a portfolio of interconnected data services and claims management platforms focused on motor insurance verification, fraud prevention, and victim compensation. The core offering centers on the Navigate platform, which consolidates Motor Insurance Policy Data (MIPD) and Vehicle Salvage and Theft Data (VS&TD), replacing former systems like MID and MIAFTR. Supporting services include askMID (Check Your Vehicle, Third-Party Lookup), askCUE, CUE database, MyLicence via the MIB Hub, and the Police Helpline. The MIB Identity Portal provides unified access to these services. The Continuous Insurance Enforcement scheme works with DVLA to identify uninsured vehicles, while Motor Terrorism Claims Support handles compensation for terrorism-related incidents.

Differentiator

Problem solved

Functional benefit

Brands

• Navigate: Home of the Motor Insurance Database (MID) - central record of all insured vehicles in the UK, containing Motor Insurance Policy Data (MIPD) and Vehicle Salvage & Theft Data (VS&TD)
• askMID
• askCUE
• CUE
• MyLicence
• askMID Check Your Vehicle
• askMID Third-Party Lookup

Products and services

• askMID Check Your Vehicle (CYV) A free service allowing members of the public to verify whether a vehicle they own or have a legitimate right to drive (via employment or leasing agreement) is showing as insured on the Navigate database.
• askMID Third-Party Lookup A service providing the public and their representatives the ability to check whether someone involved in a road traffic collision is showing as insured on Navigate, including limited insurer details.
• askCUE A service that checks the Claims and Underwriting Exchange (CUE) personal injury database for records held about claimants, used by solicitors as a statutory requirement before taking on prospective clients.
• Navigate - Motor Insurance Policy Data (MIPD) Navigate holds a central record of all insured vehicles in the UK; MIPD provides motor insurance policy data enabling subscribers to conduct checks at point of quote and support claims handling.
• Navigate - Vehicle Salvage and Theft Data (VS&TD) Contains records of written-off and stolen vehicles, helping monitor vehicles written off for insurance purposes, trace and recover stolen vehicles, and detect fraud.
• Claims and Underwriting Exchange (CUE) A central database of motor, home and personal injury/industrial illness incidents reported to insurance companies, used for claims administration, investigation verification, and fraud prevention.
• MyLicence A service giving motor insurance providers access to accurate driver licence data held by the DVLA during the underwriting process, enabling more accurate insurance quotes.
• Police Helpline A service provided primarily to police to enable verification of insurance details when stopping a driver at the roadside or working at impound facilities, with operatives speaking directly to insurance companies to clarify information.
• Continuous Insurance Enforcement (CIE) A scheme where MIB and the DVLA work in partnership to continuously identify uninsured vehicles by systematically comparing DVLA vehicle records against those held in Navigate.
• Motor Terrorism Claims Support MIB handles compensation claims resulting from confirmed terrorist attacks where a vehicle is involved, regardless of whether the vehicle is insured, supported by a Terrorism Claims Helpline and live updates.
• MIB Identity Portal A secure single sign-on portal providing access to MIB's claims and data services platforms, enabling users to manage claims and access Navigate services.

Quantifiable outcome

• 335,000 uninsured vehicles identified on UK roads daily
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• DVLA (Driver and Vehicle Licensing Agency)coreStrategic or Co-development PartnerPartnership for vehicle licensing and insurance verification. DVLA provides vehicle tax status data to MIB for the Continuous Insurance Enforcement scheme, which identifies uninsured vehicles by comparing DVLA records against the Navigate database.
• Department for TransportcoreStrategic or Co-development PartnerMIB operates the Untraced and Uninsured Drivers' Agreements on behalf of the Minister for Transport. The Department oversees the framework under which MIB provides compensation to victims.
• Insurance Fraud Bureau (IFB)coreStrategic or Co-development PartnerMIB Group subsidiary providing fraud detection services for the insurance industry. IFB operates CheatLine for reporting insurance fraud and supports fraud prevention initiatives.
• Police forcescoreStrategic or Co-development PartnerPolice use MIB's Police Helpline and data services to verify insurance at roadside stops and impound facilities. MIB supports police operations against uninsured driving including vehicle seizures and enforcement operations.
• Motor insurerscoreChannel Partner/ Reseller/ DistributorUK motor insurers contribute insurance policy data to Navigate and query the database for claims handling and fraud prevention. Insurers fund MIB through industry levies and use MIB data services for underwriting and claims processing.
• Claims Portal Limited (CPL)supportingTechnology or IntegrationPart of the MIB client companies group providing related services in the motor insurance ecosystem.
• Employers Liability Tracing Office (ELTO)supportingTechnology or IntegrationPart of the MIB client companies group providing related tracing services for employers liability insurance.
• Official Injury Claim (OIC)supportingTechnology or IntegrationPart of the MIB client companies group managing the Official Injury Claim service for personal injury claims.
• Civil Injuries Compensation Authority (CICA)supportingStrategic or Co-development PartnerFor motor terrorism claims where vehicles were not deliberately used to cause harm within an attack, MIB may refer claims to CICA for consideration.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CIFAS: UK-wide fraud prevention service operating a database shared across financial services, insurers, and law enforcement. Comparable to MIB's CUE database in maintaining industry-shared records for fraud detection, with similar membership and data-exchange economics.
• National Insurance Crime Bureau (NICB): US not-for-profit organization funded by insurance industry that combats insurance fraud through data sharing, investigations, and law enforcement partnerships. Closely parallels MIB's fraud prevention and law enforcement support functions, particularly around vehicle theft and insurance fraud.
• Compensation Corporation (NZ): New Zealand's Accident Compensation Corporation operates as a statutory no-fault accident compensation scheme funded by levies, with a comparable structure to MIB's role as a designated UK motor insurance compensation body. Both are industry/government mandated bodies handling compensation for specific accident categories.
• Employers Liability Tracing Office (ELTO): UK industry-funded body tracing employers' liability insurance policies for claimants, operating within the MIB Group. Operates analogous model to MIB (industry-funded database service for tracing insurance and supporting claimants) but in the employers' liability line.
• Insurance Fraud Bureau (IFB): UK insurance industry-funded body focused on fraud detection, operating CheatLine and supporting fraud prevention. Although a subsidiary within the MIB Group, it operates with comparable mandate and model as MIB itself, serving insurers and law enforcement with industry-funded services.
• Claims Portal Limited (CPL): UK portal service for processing low-value personal injury claims, part of the MIB Group client companies alongside ELTO and OIC. Operates adjacent claims processing infrastructure with similar industry-funding and stakeholder model as MIB.

Broad incumbents

• Verisk Analytics: Major US-listed insurance data analytics and risk assessment provider serving global insurers with underwriting and claims data. While MIB focuses on UK motor insurance data infrastructure, Verisk provides similar data services at much broader scale and could enter adjacent UK data categories.
• LexisNexis Risk Solutions: Global data and analytics provider serving insurance and financial services with identity, fraud, and underwriting data. Comparable to MIB's Navigate and CUE databases in providing data infrastructure used by insurers for verification and fraud prevention.

Others

• DVLA (Driver and Vehicle Licensing Agency): UK government agency maintaining vehicle and driver records, and MIB's core partner in the Continuous Insurance Enforcement scheme. While not a commercial peer, DVLA's data feeds and statutory enforcement role are foundational to MIB's operating model.

Regional players

• Motor Accident Insurance Commission (Queensland): Queensland statutory authority regulating motor accident insurance and providing compensation for victims of uninsured/unidentified drivers. Closely mirrors MIB's UK statutory mandate for victim compensation, though operating under a different Australian regulatory regime.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/DriveInsured
• YouTubeyoutube.com/@driveinsured
• Facebookfacebook.com/driveinsured
• LinkedInlinkedin.com/company/motor-insurers-bureau
• Instagraminstagram.com/driveinsuredofficial
• TikToktiktok.com/@driveinsured

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MIB