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The MID is a large computer based database which holds details of cars and other vehicles in the UK which are insured to drive on public roads.
The Motor Insurance Database, which is often abbreviated to just the MID, is a central computer database that holds information on all insured vehicles in the United Kingdom.
It is generally updated by insurers, insurance brokers and authorised representatives when you purchase a car insurance policy from them, however it can also be updated by policyholders, such as motorists and those who work in the Motor Trade.
The Department for Transport requires all insurers to ensure that data supplied to the Motor Insurance Database is done so in a timely an accurate fashion. In fact, insurers have a legal obligation to provide the information to the MID, which then stays on the database for a period of 7 years.
Despite having a valid insurance policy in place, if your insurer has failed to register the vehicle on the Motor Insurance Database, it is quite likely that you will receive an Insurance Advisory Letter (IAL) and, you run the risk of being stopped by the Police and having your car seized.
It is possible for you to check that your vehicle is listed on the MID free of charge, and you can also request a copy of any personal information that is held about you by submitting a SAR request (Subject Access Request) to the MIB Customer Services department however, you may be required to pay a one-off £10 fee.
If you check the Motor Insurance Database and find that you are not listed, or indeed that the details listed are incorrect it is vital that you contact your insurer immediately to correct the mistakes.
If the event of an accident, it is possible for you to check the other party(s) vehicle does in fact have insurance my using the askMID website or app however, they may be an administration fee to do so.
If you work in the Motor Trade, and have a motor trade insurance policy that covers several vehicles, your insurer may provide you with direct access to the Motor Insurance Database so that you can update it yourself by adding or removing any vehicles you have bought or sold. Immediately after purchasing your policy you must add your vehicles and trade plates to the MID.
NOTE: It is not necessary to add untaxed stock vehicles (which you will drive on your trade plates) to the Motor Trader Insurance database however, it is best practice to do so.
You will need to provide the Motor Insurance Database with the following information:
Additional Motor Trade Information
Motor Trade Insurance Quote
Car Trader Insurance Policies
How To Get Cheap Trade Cover
Combined Trade Insurance Explained
Frequently Asked Questions (FAQ)
Motor Insurance Database Guide