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What is the Motor Insurance Database (MID)?

Many databases are tracking your insurance history. The information collected includes details about policies taken out and claims made.

These sources include the MID, the CUE and the MIAFTR. Each of them is focused on a particular aspect of the insurance and claims process.

Their abbreviations make them sound like US intelligence agencies – and they do actually play a role in fighting crime.

So, how much information is online about our insurance histories? We take a look at what’s available and whether it can be publicly accessed.

General insurance document on a laptop

What is the MID?

The Motor Insurance Database (MID) is the central record of all insured vehicles in the UK. It’s run by the Motor Insurers Bureau (MIB) and relied upon by both the police and the Driver and Vehicle Licensing Agency (DVLA) to enforce motor insurance laws.

Police forces are the biggest users, making more than 2 million enquiries every month. They use it to identify and remove uninsured vehicles from our roads.

To protect customers from fraud, there are several motor insurance databases that work with each another, car insurance companies and the police. 

Around 115,000 vehicles are seized each year for not having car insurance. Approximately 30% of those are subsequently sold or destroyed.

If a car isn't on the Motor Insurance Database, there are 3 possibilities:

  • The car has a Statutory Off-Road Notice (SORN).
  • There's been a mistake when insuring the car, which means it doesn't appear.
  • The car is driving without insurance.

If your car isn't on the database, you could find yourself in hot water as the police use them when tracking uninsured vehicles. 

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Why do I need to be on the MID?

Using your vehicle on the road without insurance could result in a fixed penalty of £300. It could also results in the seizure of your vehicle, a driving conviction and 6 penalty points.

You might also incur a £150 fee to release your car if it’s taken away. Not to mention likely being subject to higher car insurance costs in the future.

Can I use the MID to check my car?

Yes, you can check your own vehicle is insured at www.askMID.com. It’s free and should immediately tell you if it’s on the database.

All you do is type in your registration number. A box then appears stating the name and model of your vehicle and whether valid cover is in place.

It’s also possible to carry out a one-off search to confirm the insurance details of other parties involved if you’ve been involved in an accident.

You need to complete a request form and pay a fee of £4.50.

What if my car details are wrongly listed on the MID?

If you've insured your car but it isn't appearing on the MID, it's possible that the reg details on your car insurance policy are incorrect.

Check your policy documents or contact your insurance company to double check. Common mistakes include:

  • Typing the wrong letter after mishearing it over the phone e.g. F becomes S, M becomes N.
  • Putting 2 letters the wrong way around.
  • Using a 0 instead of an O, and vice versa.

You need your car insurance provider to update the reg plate on your policy. It should take a few days for it to be updated on the MID.

What is the Motor Insurers’ Bureau?

The Motor Insurers' Bureau (MIB) was originally set up in 1946 to compensate victims of uninsured and untraced hit and run drivers. But its role has developed considerably over the years.

While it still handles around 25,000 new claims every year, it also manages several databases on behalf of the UK insurance industry.

Its most recent project is the Official Injury Claim.

This a free service for people who suffer road traffic accident related minor injuries. For example, someone can claim whiplash compensation without the need for legal representation.

The online service, which has been developed on behalf of the Ministry of Justice, guides someone through the process of obtaining a medical report and managing the claim.

What is the Claims and Underwriting Exchange?

The Claims and Underwriting Exchange (CUE) enables insurers to share information and help combat insurance fraud.

It’s a central database of motor, home and personal injury/industrial illness incidents that have been reported to insurance companies.

The organisation was set up in 1994 and the details stored are used by insurers to ensure people aren’t misrepresenting their claims history. Detecting this kind of car insurance fraud early helps to keep car insurance costs down for the rest of us.

This data is held for 6 years from the date the claim was closed.

What information is held on CUE?

Information on incidents, whether or not they resulted in a claim, should be held on record. They can include minor car scrapes, as well as home thefts and personal injuries.

The CUE only holds information on incidents that you've declared. So, it might be tempting not to record low-level incidents in an attempt to fly under their radar.

But this is classed as non-disclosure, which is, effectively, insurance fraud. Don’t take a chance. Make sure you’re always 100% transparent about any prangs you get, regardless of whether you made a claim.

Can I check the CUE database?

You can find out what information is held about you on the CUE database by completing a subject access request form

Or, you can call them on 0345 1652803.

What is the Motor Insurance Anti-Fraud and Theft Register?

The Motor Insurance Anti-Fraud and Theft Register (MIAFTR) is a database of written off and stolen vehicles. It was set up to monitor what happens to vehicles that have been written off for insurance purposes.

This information is also used to help trace and recover stolen vehicles, as well as detecting fraud.

Only a limited number of subscribers have access. These include insurers, police forces, and those working on behalf of existing subscribers.

MyLicence

The MyLicence service gives motor insurers instant access to your driving history. This is so they can provide an accurate quote for your insurance.

All you need to provide is your driving licence number. All the details from your driving history can be obtained directly from the DVLA database. These include:

  • Your driving entitlements
  • Any disqualifications
  • Any penalty points still valid on your licence

This also removes the stress of having to fill in this information – from memory – when you’re applying for a policy. It also avoids making mistakes that could look like insurance fraud.

How can I check my car insurance claims history?

It’s simple. To access your car insurance claims history, you just need to fill out a data subject access request from the Motor Insurance Database.

This request enables you to find out who you’re insured with – or have been – over the past 7 years.

For your claims history, you can submit this request form to the data controller for the Claims and Underwriting Exchange (CUE).

This information should include the date of any claims, the type of claims, how much was paid out, and any injuries recorded.

If you believe that mistakes have been made, you should contact the insurer – or organisation – that entered the information onto the database.

Find more information on insurance claims