What to do if you are hit by an uninsured driver?

Driving without insurance is considered a criminal offence. So what do you do if you are hit by an uninsured driver? 

What to do straight after the accident?

The first thing to do after an accident is to assess if there are any risks or hazards. Risks and hazards can include fire, injuries, and an individual being trapped. It is important to assess the need to call emergency services, and which are needed.

Important information to note is the registration plate of the other vehicle, the make, model and colour of the car. Call the police and make a note of the police reference or CAD number for the incident, take the other drivers name, contact and insurance details. Take as many photos as you can and draw a diagram of the scene, finally, notify your insurer.

What if the driver does not stop or is uninsured?

If the other driver is not insured, or does not stop the police will investigate. If you are injured or your car is damaged you can make a claim through your own insurance.

Although, unless your policy includes a clause for accidents caused by uninsured drivers, claiming through your own insurance will likely affect your no claims discount. It will also raise your premium, especially if you are a recently qualified driver.

The Motor Insurers Bureau (MIB)

The MIB is an organisation that helps victims of uninsured and untraceable drivers through a central fund. The MIB is funded directly by the car insurance industry through motor insurance premiums. In association with The Road Traffic Act 1988, all UK motor insurers must contribute.

The MIB will pay compensation for injuries as well as vehicle and personal property damage.

Do I qualify?

If you find yourself involved in an accident with an untraceable or uninsured  driver, the MIB will consider your claim if you meet the following criteria:

  • The accident happened in the UK or the Isle of Man, Channel Islands and Gibraltar.
  • Attempts to identify the driver and their insurer have failed.
  • If you have gained injury you should inform the police and the claim must be started within 3 years of the accident.
  • If your vehicle was damaged but you were not injured, you should start a claim after the accident.

Claims can be from all road users (car, motorcycles, cyclists and pedestrians).

They also take into consideration claims from UK citizens that are involved in accidents with a foreign-registered vehicle in the UK or EU. (these may not be accepted post-Brexit).

What if I am a passenger?

Yes, you can claim unless you knew that the person you were travelling with is not insured. The MIB can reject your claim because of this. If you were aware that the driver was also under the influence of drugs or alcohol you cannot claim.

How do I set up a claim?

Claims must be submitted online, you will need to grant access to your medical records and provide evidence to support your claim. The MIB may contact the relevant parties such as the DVLA, the police, your insurance or witnesses.

How is a decision reached?

If they find the other road user to be at fault, you will receive compensation. If you were both equally responsible, compensation may be changed to suit the extent to which you were blamed.

If you are held responsible for the full accident you would not be compensated. Although you would have the right to appeal.

Driving lessons will be resuming again from the 12th of April, with the practical driving tests returning from the 22nd of April. SmartLearner Driving School are currently taking pre bookings for lessons, you can call 0800 118 2001 to speak to our office staff and book your lessons in time for April.

9 Big Changes for Drivers Coming This April

9 huge changes are set to take place this April that can affect most drivers in the UK.

9  huge changes are set to take place this April that can affect most drivers in the UK. 

Car tax

Car tax is rising from the 1st of April. What you will need to pay depends on how much CO2 emissions your car pumps out.

If your car was registered on or after the 1st of April 2017, you will have to pay the following for the first 12 months:

You won’t have to pay anything if your car emits no CO2.

      • £10 if your car emits 1-50 grams per kilometre of CO2 (the same tax rate as last year).
      • £25 if your car emits 51-75 grams per kilometre of CO2 (the same tax rate as last year.
      • £115 if your car emits 76-90 grams per kilometre of CO2 (£5 extra than last year).
      • £140 if your car emits 91-100 grams per kilometre of CO2 (£5 extra than last year).

Purchase tax

To make UK roads more eco-friendly, purchase tax will be introduced targeting petrol and diesel car owners. The aim of this tax is to make eco-friendly vehicles more affordable.

Cars that emit more than 225g of CO2 per kilometre will be required to pay a 50% purchase tax from this year. These changes haven’t been confirmed.

Local clean air zone charges

This year, a number of cities will start to charge drivers commuting in and around the area to decrease the number of journeys, to lower pollution levels.
Motorists in several outer London boroughs, Bath and Birmingham face an extra daily charge of between £8 and £100.
Birmingham’s scheme will charge drivers of the most polluting cars up to £8 per day, and £50 for HGVs (trucks and lorries), coaches and buses.
You can check exactly how much you’ll be paying using the gov.uk’s clean air zone charge checker here: https://www.gov.uk/calculate-vehicle-tax-rates.

Driving lessons and tests

Driving lessons will be resuming again from the 12th of April, with the practical driving tests returning from the 22nd of April.
SmartLearner Driving School are currently taking pre bookings for lessons, you can call 0800 118 2001 to speak to our office staff and book your lessons in time for April.

Mobile phone ban

This year stricter rules for the use of mobile phones whilst driving will be brought into place.
Drivers will face fines of £200 and six penalty points on their licence for holding their mobile phone while driving – for any reason.
The new complete ban closes a loophole which allowed drivers to take photos or videos while driving without being penalised.

Driverless cars

Driverless cars may come with technology that helps them to drive by themselves, by detecting traffic changes and lane markings from Spring this year.
Last year the government looked at whether it would be safe to use the technology on cars driving at speeds of 70mph.

‘Benefit in kind’

Benefit in kind rates may be reintroduced this year after they were drawn out in 2020. From April drivers may need to pay up to £390 per year to use their vehicles.
Initially, there will be a 1% charge, based on income and vehicle value, but it is likely to rise to 2% in 2022.

Fuel duty freeze

Fuel duty will be frozen for the new tax year. This is a tax on fuel which is currently £57.95p per litre of any type of fuel.
Pavement parking ban
Currently there is a parking on pavements ban in London which may be introduced to the rest of the UK. If you break this ban you could receive a £70 fine.

Vaccines within the BAME community

More than 20 million people have now had the vaccine in the UK.
Having your vaccine is important to prevent the spread of COVID-19:

More than 20 million people have now had the vaccine in the UK.

Having your vaccine is important to prevent the spread of COVID-19:

    • It protects you from having a high chance of contracting the virus.
    • It prevents the risk of more individuals having long term symptoms. Such as: shortness of breath, joint pain, depression and anxiety and chest pain etc.
    • It protects those who have underlying health conditions and that are high risk.
    • It keeps the number of cases, hospitalizations and deaths lower.
Vaccines within the BAME community

Recently there has been uncertainty surrounding the COVID-19 vaccine, this may be due to conspiracy theories, false news articles, or false information being widely spread on platforms such as Facebook. Many of these are leading to individuals to believe that the coronavirus is not real.

Within previous national vaccination programmes in the UK, reported vaccine uptake has been lower in areas with a higher proportion of minority ethnic group populations. Barriers for these groups may be, perception of risk, low confidence in the vaccine, distrust, access barriers, inconvenience, socio-demographic context and lack of endorsement, lack of vaccine offer or lack of communication from trusted providers and community leaders.

Despite the black, Asian and minority ethnic groups making up 14% of the BAME community, they account for a third of patients in hospitals. People from BAME backgrounds are more likely to be employed in frontline roles whether it’s in the NHS, as care workers, warehouse or bus drivers. In the NHS, around 40% of doctors and 20% of nurses are from BAME backgrounds.

What is included in the vaccine?

Previously, false claims have been made that the vaccine contains microchips, aborted fetus cells or that they can somehow alter our human genetic code (DNA).

There have also been suspicions over whether they contain ingredients that are forbidden under religious beliefs. Rumours that the vaccines contain traces of pork (not eaten by Muslims) or beef (cows are considered sacred by Hindus) have been circulating online.

It’s true that some other non-coronavirus vaccines have contained gelatine derived from pork, added as a stabiliser. However, none of the Covid-19 vaccines currently approved for use in the UK contain any source of gelatine.

Researchers from the government’s Scientific Advisory Group for Emergencies (SAGE) found that:

  • 72% of Black or Black British people said that they were unlikely or very unlikely to be vaccinated against COVID.
  • Pakistani and Bangladeshi groups were the next most hesitant minority ethnic group, with 42% unlikely or very unlikely to be vaccinated.
  • In contrast, people from Indian groups were less hesitant, with 21% not willing to be vaccinated.

The vaccine is currently helping to reduce cases and deaths from COVID-19, and is an important way to fight off the virus overall.

With driving lessons returning on the 12th of April, our instructors are taking extra precaution and preparation to ensure all lessons are as safe as possible. They will wear masks, open windows for ventilation, use sanitation products such as wipes and hand sanitiser. The car will be cleaned after each student and if you would like to be given a wipe to clean the car yourself you will be able to. If you’re looking for driving lessons but are hesitant due to the risk of COVID-19 know that SmartLearner is following every precaution we can to keep our learners safe.

If you would like more information about how we are keeping our learners and instructors safe during their driving lessons call us today on 0800 118 2001.

To find out who can have the vaccine and how to get it follow the link below:
Coronavirus (COVID-19) vaccine – NHS (www.nhs.uk)

Driving Instructors Training – Latest COVID Guidelines

Mark your calendar!

Driving lessons and driving instructors training and tests schedules can all resume from the 12th of April 2021. This date has been given by Boris Johnson (Prime Minister of the United Kingdom) in a national press conference on 22nd of February 2021 where he unveiled his roadmap for relaxing lockdown restrictions in England¹.

In this plan, it was announced that Driving Tests/Lessons would resume no earlier than the 12th of April 2021. This is providing that the UK Government meets vaccination targets and COVID-19² cases continue to fall.

What does this mean for you as a Trainee driving instructor (PDI)?

If you had a theory or driving ability test that has been cancelled due to COVID-19 then the DVSA will rearrange this for you. However, if the date they rearrange it to doesn’t suit you, you can request to change this to a more convenient time/date.

If you have a trainee driving instructor license (PDI Badge) and it is going to expire you can apply for an extension. You can do this by applying through the DVSA directly.

Part 2/3 tests are now shorter in duration. Usually driving tests would include a brief before and after the exam. However, this has been reduced to help minimise the risk posed by COVID-19. The DVSA has also added a new process to help further reduce risk to pupils, examiners, and instructors. This process means that if a serious fault, or dangerous fault, is made during the examination it will be immediately terminated. The pupil/you would then be required to return to the test centre immediately.

Looking to train to become a driving instructor?

Has COVID-19 had an impact on your career? Why not train to become a driving instructor with SmartLearner Driving School?

Driving instructors on average will earn upwards of £30K per annum. Becoming a driving instructor means that you are the boss and can work hours that suit you and your family.

At SmartLearner Driving School we offer support every step of the way even beyond your PDI training with us. We offer 1-2-1 ADI theory training, personalised training plans and we guarantee you a job at the end of your training! We offer affordable franchise agreements and if required can even help you secure an instructor vehicle.

We understand that COVID-19 has had a huge impact on many people financially and that’s why we have made our driving instructor training more affordable than ever!

Call us on 0800 118 2001 or email us at admin@smartlearner.com to take the first step into your new career.

Alternatively, if you are looking to find out more about driving instructors training or the steps involved in how to become a driving instructor then click here – https://www.smartlearner.com/adi-training-new/

Learning to Drive in a Post-COVID World

Mark your calendar!

Learning to drive in Manual or Automatic? Driving, Theory, and Simulated lessons can all resume from the 12th April 2021. This date has been given by Boris Johnson (Prime Minister of the United Kingdom) in a national press conference on 22nd of February 2021 where he unveiled his roadmap for relaxing lockdown restrictions in England.

In this plan, it was announced that Driving Tests/Lessons would resume no earlier than the 12th of April 2021. This is providing that the UK Government meets vaccination targets and COVID-19 cases continue to fall.

What does this mean for you?

We reopened our phone lines to the public on the 1st of March 2021 and have already managed to book over 80% of returning pupils. If you haven’t already called us on 0800 118 2001 to rebook we advise that you call us as soon as possible! Spaces for driving lessons are limited and we are booking diaries on a first-come, first-serve basis.

Our office is working reduced hours. The office phone lines are open 10 AM to 4 PM from Monday to Friday. However, if you prefer you can also email us at admin@smartlearner.com or contact your instructor directly to rebook.

Has your theory expired?

If your theory has expired or is going to expire before you sit your driving test, there is no way to extend this. Unfortunately, you will need to retake the theory test and pass before you can sit your driving test. You can rebook this already via the online booking service provided by the DVSA.

Beware! The theory test may not be what you remember. Every year the DVSA¹ changes the questions. Recently case studies were removed from the test and replaced by a video analysis section. If you feel like you want additional support we offer 1-2-1 in-office training which will be resuming from the 12th April 2021.

This service will cost £5 per hour. If you would like to book call us TODAY on 0800 118 2001.

Is it worth learning automatic driving lessons Solihull?

The automatic driving lessons are preferred by most of the new drivers; one of the toughest parts of learning to drive is getting to grips with the gear shifting, which creates lots of problems for beginners. In an automatic car, gear changes are easy. So, if you are struggling with your manual driving lessons, you can switch to the automatic driving lessons for learning the driving more effectively.

Benefits of getting  Automatic driving lessons Solihull:

  • Driving is less stressful

The most obvious benefit of learning automatic driving lessons is that it’s easier to learn as compared to learning manual driving lessons. Moreover, new drivers don’t have to worry about gear changes, they can focus entirely on the road ahead of you.

automatic driving lesson

  • Safer if you have issues with coordination

If you generally struggle with coordination, an automatic car can make you as safe a driver as anyone. You can easily adjust your car in a crowded place; for a beginner, the automatic transmission is very safe to drive.

  • Fast preparation for driving exams

If you have less time available for your exam, then the automatic driving lesson is a good choice for you. In an automatic car, a beginner can learn the driving effectively in a quick time. Most of the new drivers prefer to learn in automatic vehicles when their exam date is near.

automatic driving lesson

You can also contact the Driving Instructor Solihull for learning automatic driving; the major benefit is that your instructor will be DVSA-ADI who can prepare you better for driving tests.










What are the main features of ADI-Training?

For Becoming a Driving Instructor, you have to pass three rigorous ADI (Approved Driving Instructor) tests. There are three parts of this exam which includes both theory and practical part. All three qualifying exam parts are described below:

  • ADI part 1 (Theory training and Hazard perceptions)

In this phase, you will have to pass two sections; the theory test and a hazard perception test. The theory test includes 100 multiple choice questions; within the test, there are four bands which each requires 80% to pass. You have one and half hours to complete this test and also require an overall pass mark of 85%.

You also have to face a hazard perception test consists of 14 video clips and need to score a minimum of 57 out of a possible 75.  You will be given a further 20 minutes to finish this test.

approved driving instructor

  • ADI test part 2 (Checking Driving Ability)

This second test measures the driving skills and eyesight of a trainee, which is conducted by the DVSA (Driver & Vehicle Standards Agency) supervising examiner. The duration of this test lasts approximately one hour.

You will be failed if you do not pass the eyesight test. Moreover, you need to answer five vehicle safety questions known as the ‘show me, tell me’ questions and you will get a driving fault for each incorrect answer.


  • ADI test part 3 (Instructional Ability)

The aim of this test part is to assess your instructional abilities. In this phase three of the ADI training, you will get both theory training and practical work, which will develop your teaching ability. A DVSA examiner will watch you giving a “client-centered driving lesson” to one of your pupils, which lasts about 45 minutes.

After passing this Driving Instructor Training, you will be automatically elevated to an ADI (a fully Approved Driving Instructor) status. For better learning, you can contact SmartLearner driving school’s professionals.

What do you need to confirm before booking driving lessons?

In most cases, we don’t think so much before booking driving courses, which can lead to many issues in the future. Proper research can save you from wasting money on unworthy courses. There are various things which you should consider, as shown below:

Before you start your driving lessons, you should be sure about the cost of your course. In many cases, we don’t discuss clearly the cost of available courses, which causes confusion at one stage. The best way to get good deals is to compare the packages of all driving schools near you. You can contact SmartLearner driving school for getting affordable driving packages.

Driving schools

This is very important that you gather all information about your driving instructor to avoid any kind of fraud. You should make sure that your instructor has a good reputation, is reliable and punctual, and has a car that suits you. Your instructor should be an Approved Driving Instructor (ADI) and also should follow all rules and regulations.

  • Getting insurance

You will need car insurance while taking driving lessons. It is important to enquire about the insurance, which will help you from any unnecessary hassle. If you want to practice in your car, then you have to purchase insurance yourself. Driving schools also provide insurance if you learn to drive in their cars.

After considering all the above points, you can search for Driving lessons near me” for getting suitable driving courses in your area.

Why intensive driving course has a good success rate?

Now, people are more inclined towards the Intensive driving course because they can get various benefits from short-term courses. Even, many driving schools offer amazing discounts on intensive or crash courses. People who do intensive driving courses have higher chances of passing qualifying driving exams as compare to individuals who do regular or traditional courses because of various reasons:

  • Retain information better

This is the main reason why these intensive courses are getting high success. In short-courses, you have less time in between the different driving sessions, which helps you in retaining all driving basics better. In regular courses, in some cases, students forget the previous lessons because of the long gaps.

Intensive driving course

  • More options

In the intensive courses, you will get more varieties; you can choose short hours-based driving lessons, including 5 and 10-hours course durations in both manual and automatic transmissions. In case of more available options, you are freer to choose your suitable course, which can adjust to your busy schedule. All these things make people more confident about passing the driving tests.

  • Less tiring

In short-term driving lessons, you don’t get tired easily. Here, you can learn to drive without exhausting yourself. When you first start learning, driving will be more exhausting for you. This is the main reason that even beginners choose intensive driving courses to avoid fatigue issues.

SmartLearner driving school professionals can help you in learning all types of intensive driving lessons. You can search for “Driving school near me” and you will get numerous certified and renowned driving schools in your region.

Driving on New Years Eve – SmartLearner

As 2020 comes to an end and 2021 approaches, many of us enjoy a drink to welcome in the New Year. Although this New Year will be a different one, celebrating with those who live in the same household can still go ahead.

New Year
How to stay safe welcoming in the New Year

Firstly, if you are going to be around alcohol, at your chosen support bubbles household, assign a designated driver. This ensures that you have a way of getting home safely. If a designated driver cannot be agreed arrange to stay over and travel home the next day, when you are sober.

Use public transport

If you cannot stay over at your support bubbles household and a designated driver cannot be arranged, use public transport. In order to stay safe when using public transport, order a taxi with a friend or family member, you can split the cost which will work out cheaper.

Watch out for changing weather conditions like snow

In many parts of the country, weather conditions are currently becoming colder and undependable, with snow and ice beginning to appear. These conditions mixed with drink driving can be a serious risk to life. Not only are weather conditions changing, but daylight hours are also decreasing, from as early as 4:30 pm.

New Year is the holiday with the most drinking involved, we hope everyone drinks responsibly and stays safe.

Why not make your New Year’s resolution learning to drive and start with one of our instructors!

Let’s hope 2021 is a better one for us all, Happy New Year from the SmartLearner Team!

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Call us on 0800 118 2001.