Yes, uninsured driver cover is included as standard with every By Miles policy.
You may have to pay the excess and your no claims discount (NCD) may be affected while the insurer investigates the accident. But once the insurer confirms the accident wasn’t your fault, and you’ve provided details of the other vehicle involved (including make, model and registration), your excess will be refunded and your NCD will be unaffected.
It’s worth bearing in mind that this investigation may take up to a few months, depending on the circumstances.