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What is the Motor Insurance Database?

The Motor Insurance Database (MID) is the UK’s central record of all vehicles that are insured to drive on UK roads. The database is used by the police to catch people who are driving without insurance – and it is updated thousands of times every hour.

Driving without valid insurance on your vehicle is a criminal offence, and one person every three minutes is convicted of this crime. All vehicles that are roadworthy (that is any vehicle which has not been declared “off the road” to the DVLA) should appear on the database.

How can I make sure my trade vehicles appear properly on the Motor Insurance Database?

As soon as you have your motor trade insurance policy in place, you will need to provide the insurer with the details of your vehicles. They may have specific requirements about exactly what information they need, so it’s worth checking with them that you have supplied all the details they need, to make sure nothing can go wrong if you do need to make a claim.

When do I need to update the Motor Insurance Database?

Each time that you purchase any new vehicle, you have 14 days in which to update the Motor Insurance Database.

If, as part of your job, you are required to drive a vehicle that is not registered on the database, then Insure Motor Trade STRONGLY recommend that you carry documents with you to prove that you have a valid motor trade insurance policy in place.

Which motor vehicles do I need to add to the Motor Insurance Database?

You must add any motor vehicle you own or is in your possession for more than 14 days on to the motor trade insurance database – and also, all owned trade plates must be added. This includes any vehicles you hold for over 14 days, even if they are temporary. It must also include leased vehicles, as well as the ones that you own outright.

What information do I need to do in order to update the records on the Motor Insurance Database record?

In order to add or remove vehicles from the motor insurance database, you will need the registration numbers of all of the vehicles owned by the person who holds the policy, and any vehicles owned by any business partners or spouse named on the policy.

This applies to any vehicle that will be driven or parked on any public space. Even if the car is not being moved, it must still be registered on the database, unless it has been declared off the road.

You can get more advice on updating these records, or anything else relating to trade motor insurance by speaking to our friendly team on 0844 931 2020.

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April 28, 2014

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