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How can I check if I have car insurance and make changes?

How can I check if I have car insurance and make changes?

If you’ve forgotten your car insurance details or lost your policy documents, you can easily check whether your car is still insured, who the insurance provider is, your renewal date and other general information.

This is all useful should you want to get a better deal or transfer insurance providers for your car. You won’t be able to transfer the policy to another person, but you can add family members or named drivers – read on to find out more.

Daniel Hutson
From the Motor team
4
minute read
posted 28 OCTOBER 2019

What are the penalties for failing to have car insurance?

It’s an offence to drive on any public road without insurance and you could face severe penalties if you’re caught. The maximum penalty is six to eight penalty points plus a fine, or the possibility of an instant driving ban in certain case. The fine, which is means tested, can be up to £5,000. The police can seize your car and they even have the power to destroy it. If the matter is referred to the courts, you might be given an unlimited fine and you could be disqualified from driving.

How can I check if my car is insured?

The easiest way to find out if your car is insured is to check your registration number against the Motor Insurer’s Database (MID). This is a national register of all the cars insured in the UK. The search is free to run, with a small fee for additional details like the insurance provider’s name and general policy details.

What happens if I don’t have my car insured before I need to travel?

Don’t travel. It’s a legal requirement to have car insurance once you get behind the wheel. If you forget to insure your car, there are serious legal and financial consequences.

What if my car is only ever really parked on the drive?

Even if you never use it, you must ensure that you have car insurance if the car is roadworthy and you could possibly drive it. If you’re not planning to drive the car, or it’s not roadworthy, then you can declare your car as SORN and you don’t need set up a car insurance policy.

Can I transfer my car insurance?

Because your car insurance is linked to you as an individual, it can’t be transferred to someone else – even your spouse or partner. Although you can add a family member to your policy. You may change some details like your address, the car or switch the main driver, but there could be charges or a change in your premium. If you want to amend your policy, it’s always a smart idea to contact your insurance provider. They may agree to alter your existing cover, but they could ask you to take out a new policy.

My car insurance is due for renewal. When should I consider switching provider?

If your car insurance is due for renewal, our research has shown that the  ideal time to switch  providers is three weeks before the renewal date. Our data shows that younger drivers  tend to save the most money by switching their car insurance three weeks early. A driver between 17-24 could make an average saving of £226**.

**50% of 17-24 year olds could save up to £226 on their car insurance based on Compare the Market data from the Young drivers Report in July 2019. Based on the difference between the cheapest click-through price presented and the mean average of the top five cheapest prices presented to a customer, where a consumer has clicked through to buy.    

How do I know I’m getting a good deal?

A good car insurance deal will be the one that suits you and your lifestyle. But the quickest way to check what’s on the market is to start a quote now. We’ll compare some of the UK’s most trusted car insurance providers to help you get a great deal.

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