No one is above the law when it comes to CIE
As part of Continuous Insurance Enforcement (CIE) it is a legal offence to keep a vehicle without insurance unless you have notified DVLA that your vehicle is being kept off the road by means of a Statutory Off Road Notice (SORN). More


Visit the MIB website. More


Visit the MID website. More

How can I check the insurance status of my car on the MID?
You can check your vehicle has a valid insurance policy on the Motor Insurance Database by using their free service at www.askMID.com
MID insurance status check

What does a MID insurance status check look like?


Beware the 5 day insurance database update. More

See our CIE Information Gateway. More

Contributor: Nic Houslip
Posted: 131200

The latest newsletter "The Road Ahead" from the Motor Insurers' Bureau says "A lot has happened in the world of Continuous Insurance Enforcement (CIE) since we launched the process to manage and enforce The Motor Vehicles (Insurance Requirements) Regulations 2011. Prior to this important legislation change, a driver had to be seen by the police to be using an uninsured vehicle in order to be prosecuted for not having motor insurance. The 2011 legislation changed the motor insurance landscape forever by making it illegal to be the keeper of an uninsured vehicle.

40 months have passed since the first Insurance Advisory Letter (IAL) was posted from MIB in June 2011 and two
million IALs have been issued since then. An IAL alerts a motor vehicle keeper that they appear to be non-compliant against the CIE legislation - that is they have a vehicle registered in their name that appears to be uninsured.

CIE has made a significant impact to the overall reduction in uninsured motoring in the UK. In the ten years since MIB announced its aim to reduce uninsured motoring by 40%, MIB has become the champion of the honest motorist and uninsured driving levels have halved. CIE has played a major part in driving that reduction in the last three and a half years. The combined efforts of CIE and the tireless hard work of the UK police in tackling those seen using a vehicle without insurance, alongside dedicated media campaigns have paid substantial dividends.

Since June 2011, MIB's contact centre has taken calls from 160,000 vehicle keepers who wished to discuss their options and almost two million insured vehicles have been added to the Motor Insurance Database (MID), many as a result of the CIE process which prompts uninsured keepers to comply with the law and purchase insurance. CIE continues to contribute to the accuracy and completeness of the MID by ensuring any errors are identified and corrected quickly by insurance providers to minimise unnecessary inconvenience to compliant keepers.

In three and a half years, CIE has proved itself to be a highly effective way of alerting motorists to the repercussions of driving uninsured as well as a great leveller. We've sent IALs to motorists from all walks of life – from bin collectors to baronesses, farm hands to premiership footballers and everyone in between. No-one is above the law."

What is Continuous Insurance Enforcement (CIE)?
CIE is the process to manage and enforce The Motor Vehicles (Insurance Requirements) Regulations 2011. Under the CIE system, MIB and the DVLA are working in partnership to identify uninsured vehicles by comparing DVLA vehicle records against those held on the Motor Insurance Database (MID).

What is an Insurance Advisory Letter (IAL)?
The registered keeper will be sent an IAL telling them that their vehicle appears to be uninsured and warning them that they will be fined unless they take action. If the keeper fails to comply with the advice set out in the letter they will face a fixed penalty notice of £100, their vehicle being clamped, seized and disposed of and a court prosecution with a maximum fine of £1,000. These insurance enforcement measures are in addition to the powers the police already have to seize an uninsured vehicle and fine the driver.

Checking the insurance status of your car on the MID website
You can make a check of your car's insurance status on the MID database using an online form on the MID website. Their form allows you to do a free check to ensure your own vehicle is on the Motor Insurance Database (MID). If you need to check whether someone else’s vehicle is insured in the event of an accident the MID website advises you to visit the "askMID "Other Vehicle" Look-up facility.

Be aware of the delay in updating the MID database when you renew your insurance close to the expiry of cover of date
If you have a new policy or have recently made any changes to it, please note that the MID is not instantly updated with your policy record and may take a few days before being recorded on the MID.
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