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Motor Insurance Database (MID)

November 2007

A new rule governing fleet insurers will give insurance companies less time to upload data to the Motor Insurance Database (MID).

From January 2008, any policy changes, including the addition of new vehicles, will have to be registered within seven days, rather than the current 14.

The rule change is designed to make it easier for the authorities to detect uninsured motorists.

Fleet managers in particular have been advised to ensure that every vehicle on their fleet is on the database.

If they discover that a vehicle’s details are missing, they should contact their broker or insurer immediately.

Failure to do this may result in a driver being stopped on suspicion of driving while not insured.

John Close, insurer relations director at AA Insurance, explained: “Police use automatic number plate recognition technology, which instantly cross-checks registration numbers against the MID.

"If a checked vehicle is not on the database the equipment alerts police who can then stop it. If the driver can’t prove that he or she is covered, the car could be confiscated."

The MID rule change follows a successful year during which, for the first time, the number of uninsured drivers on Britain’s roads showed signs of falling.

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