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Check Car Insurance Details

Check Car Insurance Details

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 05 JUNE 2020

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 Insurance 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.  
 
Currently, the Motor Insurers' Bureau (MIB) is running a virtual switchboard for urgent calls. The virtual switchboard is open between 9am – 5pm and can be reached on 01908 830001. For non-urgent queries, you can visit the MIB’s contact page. 
 
The MIB is warning its customers about reported cases of scam callers pretending to be from the MIB. The scam caller will probably ask for your bank details. If you suspect that you’ve received such a scam call, you can visit the MIB website’s help and advice page.

What documents do I need to check my car insurance?

You’ll just need your car registration number to check if your car is on the Motor Insurance Database. You’ll also need to declare that the car is registered, owned or insured by you, or your employer. 

How do I check who I am insured with?

If you’ve checked the MID and discovered you’re covered but you can’t remember who with, there are a number of ways you can find out this information. 

  • Search your email inbox with the words ‘car insurance’ to see if you have received any recent correspondence or a PDF certificate from an insurance provider relating to your car. 
  • Check your bank account or credit card statements for payments made to an insurance provider.  
  • Retrieve an old quote if you used a comparison website like Compare the Market to see if this jogs your memory. 
  • Submit a Data Subject Access Request to the MID. You may be charged a small admin fee for this information. 

What is the penalty for having no car insurance?  

It’s an offence to drive on any public road without insurance and you could face  severe penalties  if you’re caught. At the very least, you could get a fixed penalty of £300 and six points on your licence. The police can seize your vehicle 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 do I check my car insurance renewal date? 

If you’ve lost your motor insurance certificate and can’t remember when you bought your cover, you can contact your provider to ask them when your renewal date is. You might also be able to check it online if you have an online account with your provider.  
 
Your insurance provider will contact you at least 21 days before your renewal date to let you know when your policy is due to auto-renew or expire. This is a good time to compare quotes from other providers, to see if you can get a cheaper deal on your next 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.

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

It’s a legal requirement to have at least third-party car insurance when you get behind the wheel. If you forget to insure your car, there are serious legal and financial consequences. Never travel anywhere without first making sure you’re covered. 

Can I keep my car on the driveway without insurance? 

Even if you never use it, you must ensure 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, you can declare your car as  SORN and you don’t need to set up a car insurance policy. But you can’t park it on a public road. 

Can car insurance be transferred to a new owner?  

Because your car insurance is linked to you as an individual, it  can’t be transferred  to someone else – even your spouse or partner. However, 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 to 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. 

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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