It is both irresponsible and unlawful to drive without valid insurance.
However, with auto-renewal automobile insurance in effect, it can be difficult to figure out who you’re covered by. Or whether you’re even covered at all.
So, for your own piece of mind, here’s how to see if your car is covered by insurance.
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How can I find out if my car is covered by insurance?
The Motor Insurance Database is the quickest way to see if your car is insured (MID). This service has information on all insured vehicles in the United Kingdom.
It’s completely free to use and will tell you whether or not the vehicle is insured, as well as the type and model.
How do I check the company insured with?
So, you’ve discovered that you do, in fact, have insurance. That’s fantastic, but with which company are you working? Here’s how you can figure it out:
- Pay attention to any payments to an insurance company on your bank or credit card statements.
- After that, you can try to get in touch with them for more information.
- Examine your emails to see if you received confirmation from the insurance.
- Don’t forget to check your spam and trash folders!
- The Motor Insurers’ Bureau can provide you with a Subject Access Request (MIB).
These are normally available for no cost. However, the MIB has the authority to levy a’reasonable fee’ for some administrative charges.
What happens if I don’t have insurance on your car?
If you’re discovered driving without insurance on a public road, you’ll face a £300 fine and six penalty points. If your case gets to court, you could face a driver’s licence suspension as well as an unlimited fine.
This is an IN10 offence, which will make it more difficult for you to receive cheaper vehicle insurance in the future.
You must pay for insurance even if your car is sitting in your garage collecting dust. Because of the Continuous Insurance Enforcement law, this is the case.
The only option to avoid this is to notify the DVLA that your vehicle is no longer roadworthy. This is accomplished through the use of a Statutory Off-Road Notification (SORN).
Even if you aren’t driving, you could face a penalty if you aren’t insured and haven’t filed a SORN.
What is the best way to verify my tax and MOT status?
Finding out if your automobile is taxed and has a valid MOT is just as simple.
All you have to do is go to GOV.UK and fill out the registration form. You’ll need to double-check the car’s make, model, and colour.
You’ll then be informed whether or not your tax or MOT has expired, as well as the dates on which they will expire.
How can I save money on a new car insurance policy?
We monitor car insurance rates so you can observe when they rise and fall. If it turns out you need a new insurance, there are a few things you may do to save money.
Here’s what determines the pricing, as well as what you can do about it:
What kind of automobile you drive — smaller automobiles have lower insurance rates.
What level of security you have — higher levels of security can result in reduced premiums.
Using your car for commuting or business might significantly increase the cost.
The sort of insurance you choose — third-party insurance isn’t always less expensive than comprehensive insurance. Both are worth considering.
You can reduce the cost by increasing your voluntary excess, which tends to keep rates low.
