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01 Jul 2021
Rob Griffin Rob Griffin

What are motor insurance databases?


Person checking insurance documents

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

A number of 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.

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MIB – Motor Insurers’ Bureau

It manages databases for the UK insurance industry – and also compensates the victims of uninsured drivers. 


MID – Motor Insurance Database

The record of all insured vehicles in the UK. It’s managed by the MIB.


CUE – Claims Underwriting Exchange

This is where insurers share details to reduce the risk of fraud taking place.


MIAFTR –  Motor Insurance Anti-Fraud and Theft Register

This is a database of written off and stolen vehicles



Allows insurers to use your driving licence number to check your driving history when you buy insurance.


Let’s take a closer look at each one.


What is the Motor Insurers’ Bureau?

The MIB was originally set up in 1946 to compensate victims of uninsured and untraced hit and run drivers. However, its role has developed considerably over the years.

While it still handles around 25,000 new claims every year, it also manages a number of 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, such as whiplash, to claim 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 Motor Insurance Database?

The MID is the central record of all insured vehicles in the UK. It’s run by the 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 two million enquiries every month. They use it to identify and remove uninsured vehicles from our roads.

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


Can the public use the MID?

Yes, you can check your own vehicle is insured at It’s free and will 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 definitely worth double checking as using your vehicle on the road without insurance could result in a fixed penalty of £300, the seizure of your vehicle, prosecution and six penalty points.

You may also incur a £150 fee to release your car if it’s taken away – not to mention being subject to higher insurance premiums in the future.

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


What is the Claims and Underwriting Exchange?

The 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.

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


What information is held on CUE?

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

It might be tempting not to record low level incidents – but this is classed as non-disclosure, which is, effectively, insurance fraud. Don’t take a chance. Make sure you’re always 100% honest.


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

Alternatively, you can ring on 0345 1652803 (freephone).


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

This 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.



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

You provide your driving licence number and all details about your driving entitlements, disqualifications and penalty points can be obtained directly from the DVLA database.

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


How can I check my car insurance claims history?

It’s simple. 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 seven 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 will need to contact the insurer – or organisation – that entered the information onto the database.


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