To tackle the problem of uninsured drivers and vehicles, the insurance industry established the Motor Insurers' Information Centre (MIIC), a division of the Motor Insurers' Bureau (MIB), and gave it responsibility for the development and operation of the Motor Insurance Database (MID).
The police make over two million enquiries per month on the MID to check if vehicles have insurance, and have the power to seize vehicles which they believe to be uninsured.
By making sure our motor vehicles are correctly added to the MID when they come on cover, and then removed when they go off cover, we are helping the police to concentrate on those drivers who are actually uninsured.
We can also save our drivers the inconvenience and potential embarrassment of being stopped by the police, and the costs associated with recovering vehicles that have been seized.
Information on potentially uninsured vehicles, which includes motor trade vehicles that have not been added to the MID but should have been, is now provided regularly to the police to feed into their Automatic Number Plate Recognition (ANPR) network.
When a potentially uninsured vehicle passes an ANPR camera, the police are alerted, and the vehicle may be stopped. If the details of our vehicles are not up to date, the vehicle could be seized and crushed.
All Fleet Managers are obliged to provide the Insurance team with the registration numbers of all vehicles that they own that will be driven, used or parked on a road or public place, which are covered by our Corporate Motor insurance. All Trade Plate numbers must also be disclosed.
Notifying the MID with our current vehicles is a legal obligation and failure to supply the information and keep it up to date is a criminal offence.
The maximum penalty is a fine of £5,000.
We understand that the Motor Insurers Information Centre (MIIC) will be seeking prosecution on non-compliant policy holders.
To notify us of any vehicle changes, email email@example.com with the following information
- Make, model and registration number of vehicle to be insured
- The name of the company/organisation you are hiring the vehicle from
- The duration of the hire
- Names of all qualified employees who will be driving the vehicle
- The name of your department/establishment
- Contact name and number/email address, should there be any queries