Is my car insured? How to find out

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.

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]}. 

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.

• 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