askMID: How to check your car insurance


Most car owners are aware that you must have any vehicles registered in your name insured at all times. The exception to this is in an instance where a car has been declared ‘off-road’. To do this, you are required to contact the DVLA and make the request. 

If you have a vehicle registered in your name that is not insured you are liable to penalties for not being in the possession of valid insurance. Policies are listed on the Motor Insurance Database (MID) and failure to appear on this list will first result in a warning letter, followed by a fixed penalty fine. 

This is where the askMID service can be helpful. Driving or owning a vehicle without insurance is illegal, so it is essential to find out whether you have a valid insurance policy. 

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How do I know if I have a valid insurance policy?

Whether you’ve recently purchased a car or have had it for years, you might find you are unsure about the insurance status of your vehicle. Finding out whether you are in possession of an insurance policy for any vehicles that are registered to you is simple.

Using the same method to check for valid insurance policies that the DVLA uses, you can check against the Motor Insurance Database with askMID. A free to use service, all you need is the vehicle registration number to check whether vehicles registered in your name have valid insurance. 

How does askMID work?

There is only one central database that holds information about insured vehicles in the UK. With more than 10,000 updates an hour, it is a valuable tool to reference. The MID is used by the DVLA as well as the police to ensure only insured vehicles are being used on roads across the UK. 

The askMID service is a free tool that checks your vehicle registration against the MID, the same system that the DVLA uses to verify whether there is a valid insurance policy linked to a vehicle. The results will determine if your vehicle appears on the MID.

What else should I know about my vehicle?

Driving or owning a vehicle without valid insurance is illegal, but now you’ve discovered how the askMID service can help you, what else should you know about your vehicle? Depending on whether you’re looking to purchase a used car or have already invested, there are a few key pieces of information you should know.

To help you find out everything you need to know before you buy or once you’ve already purchased, Car Guide can offer a range of vehicle checks to give you the full picture. From understanding the history of your vehicle or MOT history and checks to finding out whether your car is ex-taxi or has any outstanding finances, we can help you.

Giving you a clearer picture of where your next vehicle investment has been, its history but also future, you can make informed purchasing decisions. Discover our full range of  car checks available from Car Guide. The only car checking website that also shows you a car’s future, not just its past.

Frequently asked questions

An easy way to find out is to use AskMID. You may also want to find out more about your recently bought car, so make sure you check out Car Guide.

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