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Motor Insurance Database is now joined up

Insurance Database

Complete control over Britain’s highways and byways has taken a step nearer to it’s Zenith with the joining up of the Motor Insurance Database with The DVLA,  Automatic Number plate recognition systems and Police national computers for immediate real-time straight through processing.

Car Insurance blog has suspected this for a while and has written many posts on the potential of joined up data,  however the The Department for Transport is now offically introducing Continuous Insurance Enforcement as the policing policy is known.

We haven’t checked with other industry sources as to the requirements to inform your customers of Big Brother’s latest move against un-insured driving so we were most surprised when this email droped into our letter box this afternoon from Quinn Insurance, who we thought were in liquidation???

Anyway it’s good stuff for spam email so we’ll reprint it here for you minus the sales stuff!

A new approach by the Motor Insurance Database (MID) is being introduced to protect motorists and to prevent people from driving without insurance 

Currently all insurers who underwrite motor insurance are obliged to submit policy details to a centralised database called the Motor Insurance Database (MID).  Targets are set for insurance companies to get their data onto the database in a timely and accurate manner.  Failure to do so within the set timescales leaves the insurer liable to a fine.

The purpose of MID is to reduce the level of uninsured driving. Un-insured drivers cost the UK more than £500 million a year. This cost is passed onto all honest motorists through their premiums and it’s estimated the average cost to a motorist is £30 per annum. The police already use the MID to detect uninsured vehicles on the road and more than 500 vehicles are seized every day.  Around 300,000 offenders are convicted for uninsured driving every year.

The Department for Transport is now introducing Continuous Insurance Enforcement (CIE). This new scheme will compare vehicles on the MID with DVLA/DVLNI records to identify potentially uninsured vehicles. From 2011 if there is no record on the MID showing your vehicle is insured, and you have not declared it as ‘off road’, you will receive a letter warning you that you could face a fine, prosecution, and the vehicle could also be clamped, seized and ultimately, destroyed.

This new approach is being introduced to protect honest motorists and do even more to prevent people from driving without insurance.

Most people obey the law, but there are still too many people driving without insurance.  So in future, all vehicles must be insured even if they are not being used on the road. (Vehicles with a valid Statutory Off Road Notice (SORN) are not affected by this legislation).

Make / model schemes

Specialist schemes from