askMID When you buy car insurance, a record is added to the Motor Insurance Database (MID). You can use the MID to check if your car is insured – as well as which insurance company you are insured by.
How to check your car insurance using AskMID
To check your car insurance, search for your car’s number plate on AskMID, the Motor Insurance Database (MID) website.The MID will tell you if your car is insured. You can also use AskMID to find out who your car insurance is with – along with a few other details of your policy. But that will cost you £4.
The police also use the MID to check if a vehicle is insured.
It can take a while for your policy to show up in the search. But don’t worry. If this happens, your policy is still valid.
Checking your car insurance is free. Just go to AskMID, and type in your car’s registration number.
Your insurance is still legal, even if it doesn’t show up on the MID Official Website askmid.
Because the Motor Insurance Database isn’t updated very often, sometimes it can take a little while for your details to show The police’s Automatic Number Plate Recognition (ANPR) database can also sometimes be slow to update. Sometimes new policies are only added once per week (and unfortunately there’s nothing we can do to speed it up!).
If you’re buying short-term car insurance, there’s a chance your policy won’t be added to the MID in time.
Because of this, we send your policy details to the MID as quickly as we can. But the MID can be slow to update, whoever you buy your insurance with.
Some of our customers have been pulled over by the police because of this – but don’t worry, as long as you are insured you have nothing to worry about
What to do if you’re pulled over Askmid
If you’re pulled over, and your insurance isn’t listed on the MID, don’t panic. It is not a legal requirement to show up on the MID. From the moment you buy your Cuvva policy, your insurance is valid. Your policy documents are your proof of cover – so just show them to the police officer.
You can find your policy documents in the app. Tap on the “Profile” button in the top left and then tap on your vehicle. You’ll see a list of all the policies you’ve bought.
You’ll also get an email copy of your policy documents as soon as you buy it.
Only look up your car check Askmid
There are strict rules about which cars you can look up on MID. You are only allowed to look up the details if:
You own the car yourselfYou are the registered keeper or driver of the carYou or your employer insure the carYou are an insurance agent and working on behalf of your clientSo don’t just enter any old reg plate!
However, if you’ve been in an accident with another car or want to buy a used car, you can request the information from MID.
Just check the Other Vehicle Look Up Service. It costs £4.50 per enquiry.
What to do if you’re not insured Askmid
You must have insurance to drive. If you’re not insured, you have two options:Get insured! Check out our temporary and subscription insurance – as well as our Smart Pricing.If you’re vehicle is being kept off the road, you need to SORN it. SORN stands for “statutory off-road notice”. You have to keep it on private property 100% of the time, and it is illegal to be on a public road (even if it’s parked)
Is your car listed correctly on askMID?
Lots of drivers have never checked whether their car is correctly listed as insured on the Motor Insurance Database (MID).
Find out why this is important and how to check your vehicle’s listing on askMID.
What is the MID?
The MID database is used to compare insurance records with the DVLA.
The police use data from the MID for their automatic number plate recognition (ANPR) technology. The equipment alerts officers if it ‘spots’ an uninsured car
Why do I need to be on the MID?
Unless you’ve registered your vehicle as off the road (Statutory Off Road Notification or SORN), you must keep it insured at all times. This rule is called Continuous Insurance Enforcement.
But if you make a simple mistake or delay renewing your cover, your car could be wrongly listed or missing on the MID. If that happens, you could be stopped by police.
How do I check the MID?
It’s quick and easy to check if your car is listed as insured.
Go to askMID.com.Enter your vehicle registration number in the box.Hit the button to instantly check your vehicle status.
How could my car be wrongly listed?
Simple errors on your insurance details can cause a mismatch, so it’s important to make sure the details are correct.
When you’re taking out or renewing insurance, check for common mistakes like:
Using the letter ‘O’ instead of a zeroPutting 2 letters the wrong way round.If you renew your cover at the last minute, it could mean your car’s details ‘drop off’ the database for a short time.
It can take 2 or 3 days (or even longer if there’s issues to sort out) before your new insurance details are uploaded to the MID
Avoid a mistakeTo avoid an unpleasant conversation or letter from the police, renew your insurance or take out a new policy well before your cover expires. And then double-check the details are correct.
What if my insurance status is wrong?
If you know you have car insurance but the car is recorded as being uninsured or the details are wrong on the MID, take it up with your insurance company urgently.
check insurance records