How to find out if your car is insured

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Whether you’re learning to drive or you're a seasoned motorist of 50 years, if you drive on public roads in the UK it’s a legal requirement to have valid insurance in place

 

Cars, motorbikes or vans – whatever you drive, the onus is on you to make sure you have the right vehicle insurance and level of cover active.

Is my car insured?

If you're wondering: "How can I check my car insurance?" we can help. The easiest way to run an insurance check on your car – or any other vehicle – is to enter the number plate on the Motor Insurer's Database (MID). This free tool will tell you if the car is insured as well as confirming the make and model. The database houses insurance information on every insured vehicle in the UK.

If you’re involved in an accident, you can also use the MIB to check if the other person’s car is insured by running their number plate through the Other Vehicle Look Up service – this will cost you £4. 

What happens if you drive without insurance?

It’s illegal to drive a car without a minimum of third party car insurance in place. If you’re caught driving without valid insurance you can face:

  • 6 penalty points added to your driving licence
  • A £300 fixed penalty
  • Losing your car if it’s seized by the police
  • Collection fees to reclaim your car
  • A crushed car if it’s not reclaimed within 14 days
  • Potential court prosecution – if this happens you can get an unlimited fine and be disqualified from driving

Even if you don’t use your car that often, or never drive it,at all, unless you’ve declared it as SORN and it’s kept off the road, you’ll still need motor insurance. The MIB and DVLA impose the Continuous Insurance Enforcement – the legislation that makes it an offence to be the registered keeper of a vehicle without insurance unless you’ve notified the DVLA of it being SORN.

If your car doesn’t have valid insurance you could face:

  • A £100 fixed penalty
  • Having your car clamped, seized and crushed
  • Court prosecution with a fine up to £1,000.

Sometimes people can drive without insurance due to a simple admin error like forgetting to renew their cover but they will still face the same stiff penalties as someone who is deliberately flouting the law. This is why Admiral automatically renews our car insurance policies; to help our customers stay on the right side of the law.

Driving without insurance: convictions

If you are convicted for driving without insurance you’ll get an IN10 endorsement (using a vehicle uninsured against third party risks) on your licence. It will remain on your driving licence for four years but you must inform insurers of it for five years. Magistrates’ courts can also impose an unlimited fine.

Can I get insurance with an IN10 on my licence?

If you’ve been convicted for driving without insurance and have an IN10 endorsement on your licence you may find it difficult to get insurance in the future. Some insurance companies won’t offer a quote for motorists who’ve driven uninsured in the past. If you can get cover, you’ll likely face higher premiums as you’ll be viewed as a higher risk.

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