It can also be used by insurance companies to obtain details of other drivers when they have been involved in an accident. Should you be stopped within this time, the police can contact us to confirm cover. This answer specifically relates to Tesco Bank Car Insurance.
Calls may be recorded. Was this article useful? Still got questions? How do I cancel my policy? How can I view my Car Insurance documents? If you have any problems creating your account or with amending your vehicle lists please contact Tradewise MID helpdesk by email on mid tradewise.
If you have any problems creating your account or with amending your vehicle lists please contact Tradewise MID helpdesk on Zenith Marque motor trade policy holders must self-register to access and update their policy online. Zenith Marque do not provide a helpline number but should you require assistance please do not hesitate to contact our MID team on For Motor Trade Combined policies, most insurers now request that the policy holder updates their MID record directly with them online, with the login details provided when the policy was purchased.
European Legislation 4th Motor Insurance Directive introduced in January requires that all Member States maintain a national database that contains details of every insured vehicle.
These databases are designed to make it easier to pursue cross-border claims, and also help with the enforcement of compulsory motor insurance requirements in the UK. In terms of your insurance cover you have 14 days to notify the MID of vehicles being used on the road. For your own protection we recommend when driving a vehicle that is not on the Motor Insurance Database you carry proof of your valid motor trade insurance. However be aware if the vehicle is not on the database and should they feel need to, the Police are within their rights to impound your vehicle within the 14 day period even if you are carrying proof of your valid motor trade insurance.
Customers vehicles should never be added to your own policy. If you have owned the vehicle for more than 14 days the insurer could decline all aspects of cover, also even with a valid certificate in your possession the Police could still impound the vehicle if it does not appear on the database. You will be able to retrieve your own vehicle from the compound but will still be charged the applicable fees by the Police. Untaxed own or stock vehicles which are kept off the public road and registered SORN do not need to be notified to the MID but for insurance purposes and to fully protect yourself it is best practice to update the MID with all owned vehicles in your possession.
It will therefore have a negative impact on your insurance. Motor traders should register their trade places on the MID in exactly the same fashion as they would a motor vehicle.
In most cases the Police should accept proof of ownership, a valid driving license and your current insurance certificate. However, every police officer is different and an increasing number wish to see a letter either from the broker or insurer confirming the registration and that the policyholder was indeed covered at the time of seizure. There are various ways to update your record with vehicles for the Motor Insurance Database, this can be done through our website on the MID update page.
The speed at which your policy is added to the MID will depend on how quickly your insurance company makes updates. The database is updated over 10, times an hour, but it is up to your insurer as to how often they choose to update. At Dayinsure, we guarantee to update the MID every 7 days, however, oftentimes we will do it more often. At present, Article 76 calls for all private car policies to be on the MID within seven days of the policy being recorded and, for commercial, fleet and motor trade vehicles to be added in up to 14 days.
If, after this time has passed, your policy is not on the database, you should contact your insurer immediately. So, if you have any vehicles that fall into these categories, or are looking to purchase a vehicle that falls under one of these categories, then you may not find it on the MID.
So, if you are one of a few policyholders on a vehicle you should contact your insurer directly to confirm your policy. When checking cars in their day-to-day line of work, whether on the road or as part of a larger investigation, the police and the DVLA in the UK will refer to the MID for car insurance information.
This can help them identify uninsured vehicles on our roads. If your vehicle is not found on the system and is therefore presumed uninsured, it will likely be seized at the scene if proof of insurance an insurance certificate cannot be shown. If your car is not found on the system and you cannot locate an insurance certificate, but you believe you are insured, you should contact your insurer as soon as possible.
Yes, not only is it insurers that upload all of the information to the MID but they will also use it as well. Secondly, in the event of an accident, insurers can use the MID to retrieve insurance information on any vehicles involved which they do not insure. If you are looking to tax your car through the Post Office in Northern Ireland, you will be required to show proof of insurance. The information on the MID is submitted by your insurer or an authorised representative on their behalf and is unlikely to be incorrect.
There are two reasons why it may not be correct: the information you gave your insurer is incorrect, the information has been uploaded to the database incorrectly.
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