What should I do if the other driver says they have no insurance?

Do not argue at the roadside. Record accurate details, report the incident to PSNI and tell your insurer; uninsured-driver claims may involve special recovery arrangements.

In relation to “What should I do if the other driver says they have no insurance?”, at a collision or roadside incident, safety comes first; evidence comes second, but good evidence can make a later insurance or liability decision much clearer.

For “What should I do if the other driver says they have no insurance?”, keep the relevant documents, dates, photographs or diagnostic evidence together. Small details are much easier to verify at the time than weeks later when a dispute or fault has developed.

For “What should I do if the other driver says they have no insurance?”, for Northern Ireland, the key is to use the authority or contract that actually controls this issue. The sources attached to this answer include PSNI - Road Traffic Collision, nidirect - Motor insurance explained, and GOV.UK - Vehicle insurance. Those sources should take priority over forum posts or guidance written for a different jurisdiction, particularly where a deadline, offence, fee, finance right or policy condition is involved.

Practical next step for “What should I do if the other driver says they have no insurance?”: make a short incident note while details are fresh — time, exact location, registrations, people involved, witnesses and photographs or original video. If police, insurer, road authority or recovery operator is involved, keep each reference number with that note.