Is My Car Insured? |

It’s a legal requirement to have car insurance once you get behind the wheel. If you forget to insure your car, there could be serious legal and financial consequences for you. 

Who needs car insurance?

If you own or drive a car, you’re legally required to have a minimum of third party car insurance, unless you declare the vehicle off road (or SORN) and keep it on private property.

If you don’t have car insurance and you don’t have a SORN, then you could be fined and your car could be seized, clamped or even destroyed.

Is my car insured?

How can I check if my car is insured?

The easiest way to find out if your car’s insured is to check its registration number against the Motor Insurer’s Database (MID), which is a national register of all the cars that have been insured in the UK. The search is free to run, but if you want to find out the insurance provider’s name or any other policy details, you’ll need to pay £4.

What happens if my car isn’t insured?

It’s an offence to drive on any public road without insurance and you could face severe penalties if you’re caught. You could be given a fixed penalty fine of £300 and six penalty points on your licence. 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.

what happens if my car isn't insured?

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 best time to switch providers is three weeks before the renewal date. On average, it could save you an average of £365 over the year. If you wait until the actual renewal date to make the switch, the average cost of car insurance is £794; switch three weeks before and the average price is £429.

Is car insurance transferrable?

Because your car insurance is tailored 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 can alter the details, such as update your address, change 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, you need to contact your insurance provider. They may agree to alter your existing cover but they could ask you to take out a new policy.

Is car insurance transferrable?

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

A good 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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