Finding out who your car is insured with in the UK is pretty easy and only takes a few minutes.
Even if you have lost your car insurance details or important insurance document, finding out about your car insurance provider and all the other information is effortless.
So before driving a vehicle, check if the vehicle you are driving is insured.
In this way, you get to avoid fines and disqualification from driving, or worse, get your vehicle destroyed.
To help you know, this article teaches you how to find your car insurance details in the UK.
Learn about the steps on how to find out who the car is insured with and how to check your car insurance status before hitting the road.
- 1 How to Find Out Who My Car Is Insured With UK
- 2 How to Check My Car Insurance Status in the UK
- 3 Quick Answers to Frequently Asked Questions
- 3.1 What do I do if I can’t remember my car insurance company’s name?
- 3.2 Are there penalties for driving without car insurance?
- 3.3 What are the 3 main types of car insurance?
- 3.4 What is the car insurance cost in the UK?
- 3.5 What details are needed for car insurance UK?
- 3.6 How does insurance work in the UK?
- 3.7 Which type of car insurance is best?
- 4 What Are Your Thoughts?
How to Find Out Who My Car Is Insured With UK
Suppose you have forgotten about your car insurance provider, no worries!
There are a few tricks to find out who your insurer is:
- Check Your Emails: After opening your email account, you can search for terms like insurance and car insurance. When you purchase car insurance, your car insurance provider will send you an email containing all the policy details and confirmation. If you are still using the same email account, the chances of finding these emails are very high. You can also try to search for your car’s registration number and model.
- Check Your Bank Statement: If you pay for your car insurance through the bank, you can find out the name of your insurer through your bank statement. Usually, you will see the name of your car insurance provider in your bank statement, but if not, call your bank, and they will let you know who your insurer is.
- Check Your Paperwork: Most car insurance companies give you a certificate of insurance that contains all the information about the policy, including the insurance start date, your name, and the registration mark of the vehicle. You can go through your files and search for them.
- Check MID: If nothing above works out, you can quickly head to the Requesting information page from MIB and fill out the form for the appropriate information you want to know. If you’d like to request for more information, send a letter or email to the DSAR Department. It is usually free of charge but they may request a small fee, depending on the amount of information you wish to retrieve.
Address: DSAR Department, Service Support Team MIB, Linford Wood House, 6 – 12 Capital Drive, Milton Keynes, MK14 6XT
How to Check My Car Insurance Status in the UK
You must use the MID (Motor Insurance Database) to check if your car is insured.
Motor Insurance Database is the record of all the cars in the UK holding car insurance.
It’s used by ordinary people to check the car insurance status and law enforcement to check if a vehicle is insured.
It’s free to use, but it won’t tell your insurer’s name and other essential details for security and privacy purposes.
After going to the MID, you’ll have to enter your registration number and it will tell you if your vehicle is allowed to be taken on the road.
Follow these steps to check if your car has a valid insurance policy recorded on the MID.
- Click the menu options and go to ‘Check Insurance Details’.
- Then, click Use askMID to check your vehicle option.
- Next, under the header ‘Check your vehicle at askMID.com’, click www.askMID.com.
- On the first step of the page, enter your Vehicle Registration Number in the text bar.
- Tick the ‘Confirm’ check box under Step 2 Data Protection Declaration.
- Tick the ‘I’m not a robot’ check box for Step 3 Complete the Captcha statement.
- Lastly, finish the process by clicking the green ‘Check this vehicle’ button.
The page will show if the vehicle is insured or not. If it does not show that your car is insured, you need to if your car insurance is updated or declared vehicle off road.
Quick Answers to Frequently Asked Questions
What do I do if I can’t remember my car insurance company’s name?
The best way to find your car insurance company is through your emails, bank statement, or paperwork provided by the car insurance provider.
If nothing works, go to the Motor Insurance Database, and you will find your insurer’s name and all the necessary policy details.
Are there penalties for driving without car insurance?
In extreme cases, the government can destroy your vehicle, and you will face a court prosecution with up to a £1,000 fine.
What are the 3 main types of car insurance?
The three main types of car insurance policies are; comprehensive cover, third party, fire and theft (or TPF&T), and third party.
There are also other types of car insurance, including black box insurance, multi-car insurance, and short-term car insurance.
What is the car insurance cost in the UK?
It depends on your car’s make and model. If you own a 1.0 hatchback, your insurance policy will be cheaper than a person who owns a high-powered supercar.
The condition of the vehicle also matters when it comes to cost.
What details are needed for car insurance UK?
How does insurance work in the UK?
After finding a reliable car insurance provider, you choose a package and pay a monthly or annual fee.
Whenever you get into an accident or lose your vehicle, you can make a claim and your insurer will cover some or all the costs of your damage.
Which type of car insurance is best?
As comprehensive cover insurance provides complete protection for you and your vehicle and third-party individuals and vehicles, it’s always a better choice than other car insurance policies.
What Are Your Thoughts?
This article should have helped you understand how to find out who insures your car in the UK.
We have discussed all the aspects in detail, so you don’t get confused if you ever get into an accident and forget about the company providing you coverage.
If you’d like to learn more about car insurance in the UK, refer to Winterville’s in-depth article “A Comprehensive Guide on Car Insurance in the UK”.
Further Reading for Driving in the UK.
- Driving in London is one of the best options if you plan to have a road trip within London.
- Pay attention to the Congestion Charge when driving in London.
- Want to drive in the UK legally? You need a driving licence first. Follow these Steps to Get a Driving Licence in the UK.
- Before you decide to get a driving licence, you may want to know how much you are going to spend before applying for one. Check out our guide to how much for a driving licence.
- Choose one of the Best Driving Schools in London if you decide to learn to drive and get a full driving licence.
- You may want to know How Many Driving Lessons You Need to Pass the Driving Test.
- How much time should I spend on learning to drive? Read our guide to How Long Does It Take To Learn to Drive.
- Applying for the driving licence, but don’t know how to fill in the form? Download INF1D Booklet and read our guide to solve the problem.
- After applying for your driving licence, you may want to track your driving licence and know whether it is legal to drive if your Driving Licence Has Not Arrived.
- After getting your driving licence, you may be happy to learn more about it. Check out our guide to UK Driving Licence Explained.
- Want to check your driving licence online? Check out our guide to How To Check Status Of Driving Licence.
- If you are unlucky Losing your driving licence, it is not the world’s end, follow our detailed guide to Lost Driving licence UK | How To Replace And Apply.
- Can’t find out your Driving Licence Number? Don’t worry about it, here is a step-by-step guide to How to Get Driving Licence Number if Lost.
- Unfortunately, you get a Private Parking Ticket, but you don’t know how to deal with it. Should you pay for it? Check out our guide to Do You Have To Pay Private Parking Tickets.
- If you forgot your Car Insurance Expiry Date and want to find it out, here is our guide to 5 Ways To Check your Car Insurance Expiry Date.