Is my car insured? How to check your car insurance


Not all of us know when our car insurance is due for renewal or even the level of cover we have in place. We've put together a checklist to ensure you stay on track.


Driving without valid insurance is both irresponsible and illegal.


But with car insurance auto-renewal in place, it can be confusing to know who you're insured with. Or even if you're insured to drive at all.


So for peace of mind, here's how you find out if your car has insurance.



Is my car insured?

You can check if your car is insured by visiting the Motor Insurance Database (MID). The MID holds details of all insured cars in the UK.


Its askMID service is free to use and it concerns the make and model of your car as well as whether your car is insured.


 

Can I check the car insurance status of other cars?

It’s possible to find out if other cars are insured, but only in the event of a car accident.


You'll need to pay a £4.50 fee and provide details of your car registration plate, the third-party registration plate, the date of the incident and your involvement in it.


I can't remember my car insurance company

There are several ways to check who your car insurance is with:


Check your bank statements for payments to an insurance company, then contact the insurer for further details.

Check your emails to see if your insurer has got in touch with you - a simple 'car insurance' search of your inbox could do the trick.

Retrieve a quote if you've used a comparison site and see if the details are stored.

Download a Subject Access Request from the Motor Insurers' Bureau (MIB). Subject Access Requests are usually free but the MIB might charge a small fee to cover some admin costs.

 

When does my car insurance run out?

You can find out when your car insurance runs out by looking at your insurance documents. These should tell you when your car insurance renewal date is. And if you do know who your provider is, you can always contact them to ask.

 

How can I save money on a new car insurance policy


We keep an eye on car insurance prices so you can see when prices go up and down. If it turns out you need to buy a new policy, you can do a few things to save money.


Here’s how car insurance is calculated on and what you can do about it:


What car you drive – smaller cars tend to have cheaper insurance.

What car security you have – better security can lower your premium.

How you use your car - using your car for commuting or business can jack up the price.

The type of cover you choose – third-party cover isn't always cheaper than comprehensive. It's worth looking at both.

To drive the cost down you can also increase your voluntary excess, as this to keep premiums down.


For more information, check out our tips on how to lower the cost of your car insurance.


Who can drive my car?

Just because your car is insured doesn't mean anyone can drive it.


Car insurance policies cover drivers, not cars. Before letting someone get behind the wheel of your car, check that your policy allows other drivers with their own comprehensive cover to drive your car.


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