Is my car insured? How to check your car insurance

Have you ever woken up soaked in sweat and pondering on whether your vehicle insurance is valid? Wonder no longer!

It’s your legal responsibility as a driver to make sure that your vehicle insurance is always valid, you must always check if your car is insured before driving it.

Uninsured drivers who drive without valid insurance (known in the biz as an IN10) are committing an offence that can get them into some problems such as facing court prosecution and even have their driving licence revoked.

It’s worth confirming that you are really insured to drive a car for your peace of mind and for the safety of other drivers.

How can I find out if my Vehicle is insured?

By running your vehicle’s number plate through the Motor Insurer’s Database (MID), you can quickly confirm if your vehicle is insured. The information of all vehicles insured in the UK is kept by the service.

This search, which is free by the way, will give you confirmation on the insurance status of the car and it’ll also confirm the vehicle’s make and model. However, to find out the insurer’s name or any other policy details, a token of £4 is to be paid.

Your bank and credit card statements of payments to the insurance provider can also be confirmed. Then you may contact them for any additional information required.

You may have received a confirmation mail from the insurance provider, so it’s good to look through your emails. Also look through your junk and spam folders.

penalty charge uninsured car

What if my car is uninsured?

You can be fined the amount £300 and given six penalty points if you are caught driving without insurance on a public road and you might be taken to court. Where you may be suspended from driving and also face an unlimited fine.

This offence is called an IN10, and as a motoring conviction, it can make it difficult for you to get good deals on your vehicle insurance in the future.

You are still required to pay for your vehicle insurance even though you are not currently making use of your car. The Continuous Insurance Enforcement legislation states that all vehicle owners are required by law to have their vehicles insured at all times.

The only legal way to avoid this is to legally declare your vehicle off the road with the DVLA. This can be done with a Statutory Off-Road Notification (SORN).

If your vehicle is uninsured and it’s not being used, you can still face a fixed penalty if you have made a SORN.

Saving money on a new car insurance policy

We track vehicle insurance prices so that you can know when there are good deals available. In the event that you want to purchase a new policy, you can do a few things to save money.

These are the things the price depends on and what you can do about it:

  • What car you drive – It is much cheaper to insure smaller vehicles
  • What security you have– you’ll have low premiums if you have better security
  • Who owns and drives your car – premiums might be higher if the owner of the car and the registered keeper are different persons
  • How you use your car- vehicles that simply have social, domestic and pleasure-related uses usually have lower premiums
  • The type of cover you choose it’s a good budget policy to have third-party-only cover; however, you have to pay for repairs on your vehicle yourself.

You can increase your voluntary excess to reduce the costs of your premiums.