Driving a car without insurance can result in a fine and points on your licence. By law, at least third party insurance is required to drive the vehicle.
How to check car insurance online
Fortunately, checking to see if your car is insurance is a very straightforward process.
This can be done online by using the Motor Insurance Database (MID).
The service has details on all cars insured in the UK and is free to use.
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Here, motorists will be able to see whether the vehicle is insured, as well as the make and model.
How to check who you are insured with
There are a number of ways of finding out who provides your car insurance.
You can your bank or credit card statements for the company’s name.
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You can also contact your bank to provide further information if required.
Another way is by going through your emails to see if you have received a confirmation letter.
Insurance companies will typically email these out at the beginning of your agreement.
Make sure to also check your junk and spam folders.
If you are still unsure who your car insurance provider is, you can ask for Subject Access Request from the Motor Insurers’ Bureau (MIB).
This service is usually free but in some cases the MIB may charge an admin fee.
What if my car is not insured?
Driving without valid insurance can result in a £300 fine and six penalty points.
If the case goes to court you could face an unlimited fine and a ban from driving.
The only circumstance in which car insurance does not need to be paid is when a vehicle is declared off the road with a SORN.
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