motor insurance database

Motor Insurance
Database (MID)

Motor trade policyholders are
responsible for ensuring that the
Motor Insurance Database (MID)
is accurate and up to date.

We'd been with a local broker for years and he'd always told us we were getting a good deal. It was only when garagecover gave us a quote that we realised how much we could save.

Gavin Harney,
Braconash Motors

I am extremely impressed with the way in which garagecover has guided me safely through the insurance minefield this year. To take the time and effort to visit my premises, and discuss every aspect of cover with me meticulously is a real thumbs up to the way in which WCIB do business. I have already recommended his services to others, and will happily entrust my business in his safe hands for many years to come.

Dean Lomas,
D C Lomas Ltd

Motor Insurance Database (MID)

As a Motor trade policyholder, you are responsible for ensuring that Motor Insurance Database (MID) is accurate and upto date.

*In 2007, the police made an average 3 million checks for vehicles on the MID per month. As a result, 78,000 vehicles were seized – 40% of which were crushed. *Source: Motor Insurers’ Bureau (MIB)

If the police then have reason to believe the vehicle or driver may be uninsured, they can impound the vehicle and request adequate proof of insurance to release it. Even if adequate proof of insurance is subsequently provided, an automatic charge of around £120 is made for the release of the vehicle, plus an additional charge for each day that the vehicle has been impounded (up to 14 days – at which point the vehicle is destroyed)

To comply with the 4th EU Motor Directive you are obliged to provide the Motor Insurance Database (MID) with the registration numbers of all vehicles that you own that will be driven, used or parked on a road or public place which are covered by your Motor Trade policy such as:-

  • All permanent vehicles (i.e. vehicles registered to, owned by, or leased to you)
  • Temporary vehicles held for more than 14 days (e.g. borrowed vehicles)
  • Taxed stock vehicles (if held for more than 14 days)
  • Vehicles for which only contingency insurance is held if they are kept for more than 14 days

Important - vehicles must be owned and registered in the name of the policyholder. Unless specified, cover does not apply to vehicles owned by a spouse or an employee.

In addition, when you sell or dispose of vehicles, you must remember to update the MID or inform us as soon as possible. Failure to do so may result in you being contacted about insurance claims that have nothing to do with you.

Scope of Vehicles Covered
- when vehicles have to be sent to the MID

Description of Vehicle
In possession for
Should details be sent to the MID?

UK Registered and Taxed

14 days or less

No

 

More than 14 days

Yes

UK Registered but Tax Exempt

14 days or less

No

 

More than 14 days

Yes

Unregistered

No Limit

No

Foreign Registered

No limit

No

Motor Trade Plate(s)

No Limit

Yes

UK Registered, but untaxed
vehicle, NOT kept or used
in a public place (*)

No limit

No

(*) Imminent changes to legislation will make it an offence to own a motor vehicle (regardless of where it is kept) without adequate Motor Insurance unless the vehicle is declared as SORN.