29 Sep

How long does it take for insurance to show on the MID?

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Insurance guides

Getting pulled over by the police can be a scary experience. Even if you have done nothing wrong, no-one wants the police to think that they have committed an offence. When driving, it is possible that you could be fully insured, but the police pull you over, thinking that you are not. When this happens, it is usually because your insurance details have not appeared on the MID. The police rely on this database to know who is safely insured, and who is not.

What is the MID?

The MID stands for the Motor Insurers Database. This is the central record of all insured vehicles in the UK. The police use the MID to check whether vehicles are insured to drive or not. Using AskMID, and automatic number plate recognition, the police can see if the cars on the road are safe or not.

Members of the public can also use AskMID to check if they are insured properly.

How often is the MID updated?

The MID is not updated automatically when you buy insurance. There is often a gap between your purchase and the database being updated. This may give you concern when buying one day car insurance that you will not actually be covered. However, you do not need to be. The MID is updated approximately every 48 hours. Depending on when in the cycle you bought your insurance, you may appear on it very soon after purchasing your policy.

When will my details appear on the MID?

It depends on a few factors. If your insurance documents are not showing up on the MID, it is worth checking them over, and making sure that there are no mistakes in them. Honest and minor mistakes in your documentation can prevent your details from being updated properly.

Your details can sometimes take as long as 7 days to appear on the MID. If your details have not been updated on the database, it can sometimes be worth getting in touch with your insurer.

Do I need my details to be on the MID to drive?

No. If you have insurance, you are able to drive. You don’t necessarily need your insurance to show on the MID. If you are buying one day car insurance, it is perfectly possible that your insurance will already have run out by the time that the database has updated.

If the police were to pull you over because your details are not on the database, you will need to prove to them that you are insured. The documents that you receive from your insurer are enough to do this. Show the police your proof of insurance, and explain that the MID must not have updated yet.

Does one day car insurance show on the MID?

All insurance will eventually show up on the Motor Insurers Database. However, we cannot guarantee that the database will be updated while your policy is still active.

This does not necessarily matter. If you are buying one day car insurance, you will be fully insured for the time that you need, and not unnecessarily longer. Whether the database has updated or not is not important to you – you are insured.

You need to buy insurance in order to drive – that’s the law and it’s non-negotiable. However, you don’t always need insurance if you don’t drive all the time. If you only drive occasionally – perhaps you borrow a car, or rent one sometimes – there is no point in insuring yourself as a permanent driver. That’s where one day insurance comes in.

If you only need a day, or a week of insurance, then that’s all you should have to pay for. At GoShorty, we can help. With us, you can get insured quickly, easily and at an affordable price. From a few hours to a month – whatever you need, we can help you out.

Get a quote today