The Motor Insurance Database

When you take out car insurance your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). This may be consulted by the Police in order to establish who is insured to drive the vehicle.

If you are involved in an accident (either in the UK or abroad), UK insurers, the Motor Insurer's Bureau and the MIIC may search the MID to ascertain relevant policy information on behalf of victims.

A search of the MID can only be conducted using the full Vehicle Registration Mark (VRM). It is not possible to search on a name, or address, or policy number or even a partial VRM.

The information held on the database is supplied by motor insurance companies and reflects the information that has been supplied to them by the policyholder. If the information retrieved is found to be incorrect, the insurance company should be notified so that they can make the correction to their own files and the MID.

The Motor Insurers' Information Centre (MIIC) was established by the insurance industry to oversee, on their behalf, the development and ongoing management of the Motor Insurance Database (MID). This database is already a key tool in the crusade against the crime of uninsured driving, with details of every individually insured vehicle now held on the MID.

The UK has one of the worst records in Western Europe for uninsured driving, with an estimated one in every twenty cars on the road being driven without proper insurance cover. This results in every honest motorist in the UK paying £15 - £30 of their insurance premium to compensate the innocent victims of these cheats ... and the problem is growing at a dramatic rate.

Not only will the database help to reduce this crime, but it will also assist the UK in meeting the 4th EU Motor Insurance Directive. This directive, which came into effect on 20 January 2003, requires that details of every insured vehicle be accessible (by VRM), by a national information centre in order to make it easier to pursue cross-border claims. In the UK, the MIIC will fulfil the role of the UK Information Centre.

Deputy Chief Constable Meredydd Hughes said of the database:

"The MID has already proven to be a very valuable tool for police, in improving safety through more effective law enforcement on the roads. Now, with the addition of fleet vehicles, there will be no good reason for a vehicle's insurance not to appear on the MID."

For further information on the MIIC visit www.miic.org.uk

And for more details of the MID visit https://www.interactive.midupdate.com/e-series

And for information on the Motor Insurer's Bureau visit http://www.mib.org.uk/Default.htm

Click Here for information on the individual insurance companies MID submission rules