14 Mar

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

Andy Moody
Vehicle 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 they have committed an offence. When driving, it is possible that you could be fully insured, but the police pull you over, assuming that you are not. When this happens, it is usually because your insurance details have not appeared on the Motor Insurance Database (MID).

The police rely on the motor insurance database to know who is safely insured and who is not, as insurance is a legal requirement. When you apply for temporary car insurance, your policy details may not show up straight away, and while that’s ok, it’s good to understand the implications for your driving.

What is the Motor Insurance Database (MID)?

The MID stands for the Motor Insurance 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 and view their insurance information.

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

What is askMID?

The website askMid allows users, and the police, to check the motor insurance database and see whether the vehicle’s insured. You’ll just need a few vehicle details, and you’ll be able to use this service to perform a MID check.

Do police use askMID?

Yes, they do! As it’s the primary way to check whether a vehicle is on the motor insurance database, it’s the easiest way for them to see if a vehicle’s registered.

Am I on the Motor Insurance Database? How to check askMID to see if your car is listed.

Checking if your own vehicle is on the MID is pretty simple. But if you’re not sure how it works, we’ll run you through, step by step.

Step 1: Browse to askMID

Step 2: Enter your Vehicle Registration Number in the box provided

Step 3: Consent to the Data Protection Declaration and complete the Captcha statement

Step 4: Click “Check this vehicle”

The details of the insured vehicle will then be displayed.

It’s that simple.

How often is the MID updated?

The MID is not updated automatically when you buy insurance cover. 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.

Why aren’t my details showing up on the MID?

There are several reasons your details may not be showing. Start by double-checking the correct vehicle registration number before you get too worried.

A few common reasons your motor vehicle insurance isn’t showing up on the motor insurance database are:

  • A simple mix up – You’ve used the letter O instead of a zero or vice versa in either your search or your insurance details
  • Mistakes – You’ve made a simple mistake when entering your number plate, like getting two numbers in the wrong order
  • Time – your insurance company hasn’t supplied the information to the database yet

Whenever you are insuring your car, you must avoid making mistakes. Not only will your details not show up on the MID if you’ve entered your registration incorrectly, but your car simply won’t be insured.

The police perform continuous insurance enforcement, and when they identify uninsured vehicles, you can get a fine if the vehicle data doesn’t show up. This could be even worse if you’ve made a mistake in your original insurance application, as even your insurance documents may not help.

It’s always sensible to have your policy details at hand when driving. Being able to show you are a policyholder on request is essential and especially important if you only got insured recently.

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 errors in your documentation can prevent your details from being updated correctly.

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.

This time delay often means that a new policy won’t show up immediately, despite being covered.

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

No. If you have insurance cover, you can drive.

You don’t necessarily need your insurance to show on the MID. If you are buying one-day car insurance or one-hour car insurance, your insurance may already have run out by the time the database has been 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 officer your proof of insurance, and explain that the MID must not have been updated yet.

The only occasion that your vehicle doesn’t need insurance or appears on the motor insurance database is when you’ve registered your vehicle as ‘off the road’ with a Statutory Off Road Notification (SORN). If you have done this, you shouldn’t be driving it in the first place, though.

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 buy one-day car insurance, you will be fully insured for the time 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 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 temporary car 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.