Is my car insured?

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The Continuous Insurance Enforcement (CIE) states that any car registered in your name must be insured.

It is worth noting that this includes cars which are currently not being used and are sat in driveways or garages.

The only cars which do not have to be insured, according to the CIE, are those which have been declared ‘off the road’ officially to the DVLA via a SORN application, (keep reading for more on how to SORN a vehicle).

If a car you own is found not having insurance, you face a fine of up to £1,000 or even having your car seized and destroyed.

If you are unsure whether or not your car is insured, there is a quick and easy way for you to do a car insurance check.

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What is the law?

The Continuous Insurance Enforcement’s (CIE) aim is to clamp down on uninsured drivers.

The law before was that any cars which are driven on the road are to be insured, but this is no longer the case.

The law now states that any car, driven on the road or otherwise, must be insured.

The Motor Insurance Database (MID) and the Driver and Vehicle Licencing Agency (DVLA) are currently working together to help identify uninsured vehicles.

It is imperative that any vehicles you own are insured, to avoid facing penalties.

Penalties

If you are found to have a car that does not have insurance, there is a process which takes place.

Firstly, you will receive a letter notifying you about the offence, warning you that penalties will follow unless you rectify the situation. If this is ignored, a fixed penalty notice of £100 will be issued to you.

With this, you will be informed that you may face clamping, seizing or destroying of your vehicle and further fines of up to £1,000.

Check Car Insurance

There is an extremely easy way for you to check any vehicles that you are concerned about, for free.

All you need to do is visit the MID website and enter your vehicle registration number.

If you complete a car insurance check and you find out that you are not insured, to avoid facing penalties, you must insure your car immediately or, if you think you are insured, check with your insurance company straight away.

What is the MID?

Police car on roadMID stands for Motor Insurance Database, which is the only central record of UK insured vehicles. The database is one of the most important tools used to make sure that all vehicles driven on UK roads are insured – and it is updated over 10,000 times every hour.

The Motor Insurance Database is used by the DVLA as well as the police to help enforce motor insurance law.

To do this, the police use ANPR technology – which stands for Automatic Number Place Recognition – alongside updated information from the MID to catch-out motorists driving uninsured vehicles.

Using this technology, police currently seize over 500 uninsured vehicles every day, and on average one person every three minutes is convicted for driving without insurance.

Exemptions

If you have declared your vehicle to be off the road, you do not need to have this vehicle insured.

To register your car as off the road, you need to inform the DVLA and make a statutory off road notification (SORN). You will also need to return your tax disc to the DVLA when making this notification.

Other exemptions of this law are if your vehicle has been stolen or scrapped.

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