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FAQ: About Motor Insurance Database

Motor Trade Insurance

Questions

Answers

When was the Motor Insurance Database (MID) introduced & why?

European Legislation (4th Motor Insurance Directive) introduced in January 2003 requires that all Member States maintain a national database that contains details of every insured vehicle. These databases are designed to make it easier to pursue cross-border claims, and also help with the enforcement of compulsory motor insurance requirements in the UK.

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As a motor trader how long do I have to update the Motor Insurance Database after I’ve purchased a vehicle?

In terms of your insurance cover you have 14 days to notify the MID of vehicles being used on the road. For your own protection we recommend when driving a vehicle that is not on the Motor Insurance Database you carry proof of your valid motor trade insurance. However be aware if the vehicle is not on the database and should they feel need to, the Police are within their rights to impound your vehicle within the 14 day period even if you are carrying proof of your valid motor trade insurance.

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If I have a customer’s vehicle in my possession for longer than 2 weeks do I need to put it on my Motor Insurance Database record?

The policyholder is only covered on customers vehicles if the vehicle is already insured and hence showing on the database. Customers vehicles therefore should not be added to the policy.

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If the vehicle I’m driving is not on the Motor Insurance Database but I have a valid insurance certificate will I be ok?

If you have owned the vehicle for more than 14 days the insurer could decline all aspects of cover, also even with a valid certificate in your possession the Police could still impound the vehicle if it does not appear on the database. You will be able to retrieve your own vehicle from the compound but will still be charged the applicable fees by the Police.

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If the vehicle is SORN do I need to put it on the Motor Insurance Database?

Untaxed own or stock vehicles which are kept off the public road and registered SORN do not need to be notified to the MID but for insurance purposes and to fully protect yourself it is best practice to update the MID with all owned vehicles in your possession.

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Do I need to place my trade plates on the Motor Insurance Database?

Motor traders should register their trade places on the MID in exactly the same fashion as they would a motor vehicle.

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If my vehicle is impounded by the police for not being on the Motor Insurance Database how can I get it released?

In most cases the Police should accept proof of ownership, a valid driving license and your current insurance certificate. However, every police officer is different and an increasing number wish to see a letter either from the broker or insurer confirming the registration and that the policyholder was indeed covered at the time of seizure.

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How can I update my Motor Insurance Database record?

There are various ways to update your record with vehicles for the Motor Insurance Database, this can be done through our website at http://www.tradeplaninsurance.co.uk/mid-update/ , via email to info@planinsurance.co.uk or by phone directly to our office on 0800 542 2741. For Motor Trade Combined policies most insurers now request the policyholder update their MID record directly with them via the internet where a password and login are provided at inception.

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