How to check if a car is insured?

Author Name – Jack Underwood

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how to check a car is insured

Car insurance is a policy that drivers in the UK must buy that financially protects you in the event of a car crash, damage or theft. Essentially, this means that you pay a monthly fee and in exchange, if you crash your car your insurance will cover any payments. Generally, car insurance lasts for a year, you can choose to pay one payment for the year or pay in 12 monthly payments. However, companies such as Veygo allow for monthly, daily or hourly car insurance.  It is illegal to drive your car without insurance so it is essential that you know when your insurance runs out. In this article we are going to show you how to check if your car is insured and answer some common queries regarding car insurance.  

How can I check my car insurance online?

There are many things you can check about your car online, such as when your MOT is due, and checking your insurance is one of them. To check your car insurance online, you will need to access the Motor Insurer’s Database (MID). This is a database that stores information about your insurance policy online. To access your information, simply input your registration and claim that you are the owner of the vehicle. 

A website that allows you to access the MID is called MIB.

How can I get a copy of my car insurance online?

A copy of your car insurance policy can come in handy for a number of reasons. Insurance companies often distribute copy insurance policies in the following order:

  • Visit the official website of your insurance company
  • Find and select the option to download a copy of your insurance
  • Input your mobile number and insurance policy number
  • Go through verification on your mobile phone
  • Receive your insurance policy in PDF format

How can I find out my car insurance policy number?

A car insurance policy number is a unique 8-10 digit number that is associated to you. Its purpose is for the insurance company to identify you. This number can be found on your car insurance policy document, insurance card and when you log into car insurance website. If you do not have access to this number, you can contact your car insurance supplier and they should be able to give this to you after verifying that you are the account holder.

How do I find an insurance policy?

There are multiple insurance policies that offer different levels of protection to choose from when you are picking an insurance policy. They also range in price depending on your location, vehicle and driving history.  If you are looking to compare prices and policies it is best to go to a comparison website such as Go Compare and Compare The Market.

Can I drive with no car insurance?

Driving without insurance is considered a serious offence and is illegal in the UK. Some of the penalties for driving without insurance goes as follows -

  • £300 fine minimum, unlimited maximum
  • 6-8 points on driving license
  • Repossession of vehicle and possibly destroyed
  • Possible driving disqualification

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