A simples guide

Who insures my car?

We can all be a bit forgetful, especially when it’s about things that only need doing once a year – like a spring clean or renewing your car insurance. But whilst your other half might breathe a sigh of relief at your absent mindedness, the DVLA might have a bit more to say about your memory loss.

Who needs car insurance?

If you have a car, you’ll need to either insure it or declare it off the road by making a statutory off road notification or SORN. So if you own and use a car, you’ll need a minimum of third party insurance to stay legal on the roads.

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

hand on steering wheel
car and money

I’ve forgotten whether I’ve insured my car or not

It’s an easy thing to forget – especially if you’ve fallen into the auto-renewal trap and simply roll your policy over every year without comparing the market for better deals. So, first up when you feel that cold hand of panic creep across you – check your bank or credit card statements to see if there have been any payments to an insurer. If that still draws a blank, then you can check the motor insurance database (MID) which is a national register containing all the cars that have been insured in the UK.

If the MID computer says ‘yes’ then you can stand down from red alert – your car’s insured – phew. If computer says ‘no’ on the other hand – well… you’d better start comparing.

Isn’t car insurance transferrable?

If you want to change the details such as update the address, change the car or switch the main driver, then this is possible but there may be charges or a change in your premium. Car insurance premiums are based on how risky you’re considered as a driver, your experience, insurance claims history and even your job will all be taken into consideration when calculating this risk.

In addition, where you live, where your car’s kept and how many miles you drive a year, is also factored in. So insurance policies are very much tailored to you as an individual and as such, can’t simply be transferred to someone else – even your spouse or partner.

You can of course, amend your policy by contacting your provider. It’ll be at their discretion whether they agree to alter your existing cover or ask you to take out a new policy in its place. But if you want to switch policy holder mid-term, that won’t be possible.

Who actually insures my car?

It depends on who you’ve bought your policy from. When you comparethemarket, we bring you a host of great deals so you can see which one suits you the best – think of us as a matchmaker. When you click through to the deal, you could be buying it directly from the insurer (who also underwrites the policy) or a broker.

Whether it’s a direct insurer or a broker – whoever you bought the policy from is who you’ll have to speak to when it comes to claiming or making any policy changes. Your provider should make it fairly obvious on emails or paper letters who you need to call in any given situation.

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

Like any worthwhile relationship, a good insurance deal will be the one that suits you and your lifestyle. But the quickest way to really assess what’s out there is to start a quote now to find out what’s on the market – a bit like speed dating for car insurance. We’ll give you a headline summary and if you like the look of it, simply click on the deal to find out more.

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