Since 4th February 2011, legislation has been in force which requires the registered keeper of a vehicle to ensure insurance cover is maintained on it at all times, unless a Statutory Off Road Notification (SORN) has been made.
If a vehicle is not on the Motor Insurance Database (MID), incorrect details are held or a SORN has not been declared, the registered keeper could face a penalty.
The Motor Insurers’ Bureau (MIB) and Driver and Vehicle Licensing Agency (DVLA) are working in partnership to identify uninsured vehicles by comparing the DVLA vehicle records against those held on the MID.
Registered keepers will be sent Insurance Advisory Letters highlighting that their vehicle(s) appear to be uninsured and warning they may be fined unless they take action. If keepers fail to comply with the advice set out in the letters they could face:
- a fixed penalty notice of £100;
- their vehicle(s) being clamped, seized and disposed of;
- a court prosecution with a maximum fine of £1,000
To avoid any of these outcomes, please continue to ensure your vehicle records on the MID are correct and up to date.
How can the MID details be checked to ensure they are correct?
If you have access to the Zurich MID website facility for your fleet, log on to it at www.zurich-vehicles.co.uk and check that all of your vehicles appear on the current vehicle schedule.
If not, you can check the central MID for specific vehicles at http://www.askmid.com/.
If the recorded details are incorrect, or vehicles you operate are not on the database at all, you should contact your fleet manager or your usual contact within your organisation that provides the vehicles or handles the operation of your fleet, to ensure the MID is updated on your behalf immediately. It will depend on how your insurance is arranged as to who will have access to our website to update the information.
For more information on CIE please visit www.direct.gov.uk/stayinsured.