Tax, MOT, parking permits – the list of things to remember as a car owner can be endless. But when it comes to keeping track of your insurance there’s no need to worry, a handy tool can tell you if your policy is up to date.
The Motor Insurance Database (MID) is the only central record of all insured vehicles in the UK. Find out what you need to know here.
Is my car insured?
If you enter your registration number into the database, it will run a free check to see if yours is listed.
Do I need vehicle insurance?
Under UK law all vehicles need insurance unless they’re declared off the road with a Statutory Off Road Notification (SORN) issued by the Driver and Vehicle Licensing Agency. If you don’t have proper cover, you could receive a fixed penalty notice, your car could be seized, or you could face a fine or prosecution.
Are there other benefits to using an insurance checker?
If you’re ever involved in an accident, the MID’s roadside service can help you check the other driver’s policy details, using a mobile device, while you’re still at the scene. You can then give this information to your insurance company. The service is available to all insured drivers living in the UK, who are registered on the database.
If you aren’t able to check the other party’s insurance at the time, don’t worry. As long as you (or your legal representative) know the date of the accident, the registration details of the other vehicle and your information, the MID offers an alternative service.
A check after the event currently costs £4.50 and will give you a policy number, the name and contact details of the registered owner of the other vehicle, which you can pass to your insurer.
What if the other vehicle is not insured?
If the checker shows the other vehicle owner does not have a valid policy, you should inform the police and your insurance company straight away. You may still be entitled to compensation if you’re the victim of an uninsured driver or hit and run incident. If you don’t have valid insurance yourself, you need to arrange cover immediately – you could be breaking the law.
Whether you're an existing Aviva customer, an uninsured driver looking for competitive cover or want to switch providers, our experts can help.