Is my car insured? How to find out
Find out how to check your insurance status.

Key points
- In the UK, you must have at least third-party car insurance to drive legally. Driving without it can lead to serious consequences.
- You can find out who your car is insured with by checking your paperwork, bank statements, emails, or contacting your insurance broker if you have one.
- Car insurance typically renews annually. To avoid lapses, check your documents or look out for renewal reminders from your provider.
- If caught driving without insurance, you could face a £300 fine and six penalty points. In court, this could escalate to an unlimited fine and a driving ban.
In the UK, you are legally required to have at least third-party insurance on a vehicle. Driving without valid insurance could land you with some hefty fines or you could even lose your licence, so there’s no time like the present to double check you’re insured.
How can I find out if my car is insured?
To check if your car is insured, you can use the Motor Insurance Database (MID) by entering your registration number.
How can I check who my car is insured with?
There are a few different ways you can check who your car insurance provider is:
- Check through paperwork
- Check bank statements
- Search through emails
- Speak to your broker if you have one
- Request your data from the Motor Insurance Bureau (MIB)
When does my car insurance run out?
Generally you will renew your car insurance annually, unless you have taken out temporary car insurance. To be sure, you’ll need to check with your insurance provider or check your insurance paperwork which should state your renewal date. Some providers will also send a letter a month or so before your policy runs out as a reminder.
What are the penalties for driving without car insurance?
According to the UK Government, you could be hit with a fixed penalty of £300 and get six penalty points added to your licence. If you then go to court, it could be an unlimited fine and you could also be disqualified from driving Footnote [1].
Can I check if someone else's car is insured?
Depending on your circumstances there are a few ways you can check if someone else’s car is insured.
If you’ve been in an accident you can use the askMID lookup tool to find out the other person’s insurer. You can only use this if you were involved in the accident or are representing someone who was. This service does also come with a fee.
Tips for staying on top of your car insurance
- Put a reminder in your calendar of when your policy runs out
- Keep paperwork filed safely
- Fully understand your insurance coverage
- Keep your personal details on your policy up to date

Ready to get cover?
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