Motor Insurance Database (MID)
To comply with the Motor Vehicle Regulations (2003), brought in as part of the 4th EU Motor Directive (2000), it’s essential that all UK-registered vehicles, licensed and insured for use on the highway, are detailed on the Motor Insurance Database (MID).
This database is checked every second by the police up and down the country and, every year, in excess of 100,000 vehicles are seized as a result of these checks. Failure to pass driver and vehicle details to us in a timely manner will mean that the MID is not updated. This could result in your customer being stopped by the police, with their vehicle ultimately seized and impounded.
It is estimated that there are one million uninsured motorists on the roads, and evidence shows that many uninsured drivers are involved in criminal activity, and may be driving vehicles that aren’t roadworthy. With the obvious danger to society, this costs the industry approximately £400 million annually — a cost that has to be passed on to the honest motorist. Keeping the MID up to date with insured vehicle details provides the police with the means to identify uninsured vehicles and drivers, which in turn will help contain future motor premium increases.
You’ll find full details of your MID obligations in your terms of business agreement. Here are the main points.
Where the policy is not full-cycle EDI, you must advise us immediately of any change to the policy. If a policy is lapsed, you must also instruct us immediately. If you don’t do this, we’ll presume that the policy has been renewed.
Specified Fleets and Minifleet
You must advise us immediately of any change to the policy, including vehicle additions or deletions, as soon as you are made aware of them. You must also advise us directly if the renewal is taken up or if the policy is to be changed or lapsed — not through your monthly statement. We cannot assume that a policy is renewed so we rely on your explicit instructions.
Unspecified Fleets and Motor Trade
You must advise us immediately of any change to the policy (e.g. policyholder name or address change). You must also advise us immediately if the renewal is taken up or if the policy is to be changed or lapsed — not through your monthly statement. We cannot assume a policy is renewed so we rely on your explicit instructions.
For our motor trade product and commercial policies that cover unspecified vehicle fleets, the legal obligation to keep MID up-to-date and accurate in a timely fashion is the responsibility of the policyholder (who may commission a third-party for this purpose). Please encourage all policyholders to update MID immediately following any vehicle change.
The MIB recommendation is that all insured vehicle records are sent to the MID regardless of the period of cover - to minimise the risk of being stopped by the police and a possible vehicle seizure. Should a policyholder elect not to send temporary vehicles held in their possession for less than 15 days, they nonetheless have a legal responsibility to retain records of such vehicles for a period of at least 7 years.
We offer a free vehicle input service for our motor trade policyholders, who have 30 or less vehicles. We also provide dedicated support to all our motor trade and fleet customers to help them meet their MID obligations. For more information, call our MID Helpdesk on 0345 30 15762 (Mon-Fri, 9am-5pm) or out-of-hours, you can e-mail: email@example.com
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