Cheap UK Car Insurance 2020

AskMID The Motor Insurance Database
The Motor Insurance Database (MID) is the only central record of all insured vehicles in the UK and is updated over 10,000 times an hour. As one of the most important tools to ensure that only insured vehicles are driven on our roads, the MID is used by the police and the DVLA to enforce motor insurance law.

The police use Automatic Number Plate Recognition (ANPR) technology with information from the Motor Insurance Database (MID) to identify and catch people driving uninsured vehicles. More than 500 are seized every day and one person every three minutes is convicted for uninsured driving.

It is illegal to drive or keep a vehicle without insurance
If you have had a Vehicle Insurance Advisory Notice affixed to your vehicle and would like more information please click here

If you own a vehicle that is not declared “off the road” (SORN) and it is registered in your name then it must be insured at all times. If you don’t want to use the vehicle, then you must contact the DVLA to declare the vehicle “off road”. There are penalties for not having a valid insurance policy, and if your policy does not appear on the Motor Insurance Database (MID) you can expect to receive a warning letter in the post, followed by a fixed penalty fine.

Stay Legal
You don’t have to be driving to be caught. Keeping a vehicle without insurance is against the law.

If your vehicle does not have a record of insurance on the Motor Insurance Database (MID) or has not been declared ‘off the road’ by contacting the DVLA with a formal Statutory Off Road Notification (SORN), you will receive a warning letter in the post and face penalties and risk being wheel clamped by the DVLA unless you take action to stay legal.

Motoring tips
The cost of car insurance for drivers, and under-25s in particular, can make a big dent in your bank balance if you don’t shop around. Insurance companies, aggregator websites and brokers can all help you save money on your insurance premium. To help you meet your obligations, you can find a helpful list of tips on the AskMID website designed to help you reduce your costs and how to stay safe on the road.

Contact Details
askMID and MIB do not sell insurance nor can they update the Motor Insurance Database (MID). These services are provided by your chosen insurer or broker. Similarly, any changes to your vehicle or how it is used must be notified to the DVLA. No other party is able to process these details.

Account and one-off search enquiries
Email: askmidsupport@mib.org.uk.

Insurance law enquiries
For enquiries about the new Continuous Insurance Enforcement (CIE) rules for motor insurance, email: stayinsured@mib.org.uk. Alternatively, phone the askMID helpdesk on 0845 165 2888 for CIE related enquiries only. The helpdesk is open between 8am and 9pm Monday to Friday (excluding bank holidays) and between 9am to 5pm on Saturday and Sunday.