Motor Insurance Database
The UK has one of the worst records in Western Europe for uninsured driving with an estimated one in twenty cars on the road being driven without the correct insurance.
The Motor Insurance Database (MID) was set up by the insurance industry to help combat this crime, reducing the number of uninsured motorists on the road, therefore reducing the cost to the industry of compensating victims of accidents involving uninsured motorists.
The MID also helps the UK comply with the 4th EU Motor Insurance Directive (now incorporated into the Codified Directive 2009/103/EC), which requires that insurance details of all vehicles in each member state can be easily identified by a national information centre. In the UK, this role is carried out by the MIB via its UK Information Centre.
The police actively use the database, making millions of enquiries each month in an effort to reduce the number of uninsured drivers on the road. The DVLA make over one million enquiries each month in support of Electronic Vehicle Licensing - enabling customers to tax their vehicles online.
The MID (Motor Insurance Database) contains the insurance policy details of all insured UK vehicles. It is accessed by different people, in different ways, for different purposes.
Information for the industry: Insurers, brokers, fleet and motor trade policyholders from our MID Services department (ie the MIB department that communicates with the insurance industry in order to maintain a fit-for-purpose Motor Insurance Database (MID)).
For data submission - go to www.midupdate.com
CIE is similar to continuous vehicle registration, which can be enforced "from the record”. Vehicles do not need to be seen on the road before action can be taken. It is a legal requirement for registered vehicle keepers to insure their vehicles at all times unless it has been declared "off the road" (SORN) with the DVLA.