Your insurance company will be able to look at your record.

In the event of an accident other insurance companies, authorised claim handling organisations and solicitors working on behalf of a claimant, as well as an accident victim can access very limited information – they will see the policy number, the insurance company’s name and a means of contacting them.  They will not be able to access any sensitive, private information about YOU as an individual.  

Government organisations can use the information on the MID for reasons of fraud prevention.  Insurance fraud is an increasingly problematic issue and the MID data helps the Insurance Fraud Bureau (IFB) detect motor insurance fraud by comparing the MID data with data held on other databases to identify fraudsters and launch legal offensives against such criminals

The Police have direct access to the MID in order to identify if a vehicle is insured. MID data is accessed at the roadside by police officers if a vehicle has been stopped for a Road Traffic Offence and an insurance check is carried out.  A list of potentially uninsured vehicles is supplied weekly to every UK police force and this is linked to their Automatic Number Plate Recognition (ANPR) system, which is used to stop vehicles on the road. If a vehicle is stopped, then the current insurance position is checked via a real-time enquiry to the MID. The police enquire on the MID around 2 million times each month.

DVLA uses the MID in the Electronic Vehicle Licensing (EVL) system for purchasing road tax online. When you purchase your road tax using this system, a real-time enquiry against the MID is carried out and only when it detects an insurance record for your vehicle registration number will it allow the system to proceed and process your application for tax.

You have the right to know the data held on the MID about  your own vehicle(s). You must apply to the MIB direct to do this by sending a form and payment to the UK Information Centre.

As data controllers MIB has the right to look at the data on the MID for a variety of reasons including: to ensure it is complete and accurate, to assist insurance companies with problems in loading and maintaining the data and to derive management information (MI) from the data to best serve the insurance companies in loading the data in the timescales required by the Department for Transport (DfT).