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Meeja

Original Poster:

8,243 posts

133 months

[news] 
Thursday 14th January 2010 quote quote all
How often is the AskMID databse updated?

I bought a new car for Mrs Meeja this week, and insured it from yesterday...... how long does it usually take before AskMID records the car as insured?

(Have I got to send Mrs Meeja around with a copy of the insurance certificate for Justin?)

selwonk

1,706 posts

110 months

[news] 
Thursday 14th January 2010 quote quote all
It can take weeks I'm afraid.

Bugeyeandy

3,313 posts

82 months

[news] 
Thursday 14th January 2010 quote quote all
According to the AskMID website itself its updated 10000 times an hour.

As that is 2.8 times a second I guess your car should be on there now!

Edited by Bugeyeandy on Thursday 14th January 21:26

Andyuk911

1,908 posts

94 months

[news] 
Thursday 14th January 2010 quote quote all
When I changed the reg on the wife's car, it was updated within hours ..

aw51 121565

3,951 posts

118 months

[news] 
Thursday 14th January 2010 quote quote all
The insurance company has 7 days (used to be 14) to upload your new data to MID (the motor insurance database -AskMID is the internet front of house for the MID on the internet).

Be aware that the ANPR databases of motor insurance are downloaded versions of the MID and not live, so you risk being flagged up on ANPR for a little while longer than it takes your insurer to update MID.

Carry your insurance docs with you smile .
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Gibson70

418 posts

90 months

[news] 
Thursday 14th January 2010 quote quote all
selwonk said:
It can take weeks I'm afraid.
Not true. If you call the insurance company today and it will be updated on ASKMID next day.

Sorted smile

4rephill

1,997 posts

63 months

[news] 
Friday 15th January 2010 quote quote all
My car gets automatically renewed every November. Last year the insurance went through renewel with no problem, payment made and Certificate received, as it has for the past 15years.

On December 23rd whilst driving home from visiting a friend, I got pulled over at Watford Gap service station by motorway police due to showing no insurance on the system. I informed them of who My insurance is through and how much it had cost Me to renew the month before, but I didn't have My insurance certificate on Me. As it was 12.10AM they could not check with My insurance via the telephone. The driver gave Me the benefit of the doubt and gave Me a producer to take to My local station (despite his female partner wanting to seize My vehicle and leave Me stranded at Watford Gap services!).

The next morning I went to My local station with all My documents and they informed Me not to worry too much about it and let it ruin My Christmas, as the insurance companies are useless at updating the system and they get a lot of people coming in for the same reason (The motorway Officer said pretty much the same thing!).

When I checked the AskMID site, sure enough My car was not on it. I complained to My broker (AA insurance) who said they would inform My insurers. Three months and many phone calls later it was still not on the site, even though I was assured that there was no problem with My insurance.

So I can assure you from personal experience that the AskMID database is not the be all and end all that some in this thread would have you believe.

Best advice, always carry a copy of your insurance certificate with you!. (As My local station advised Me to do). It's not guaranteed to stop you having problems but it will help if you get stopped.

Red Devil

6,003 posts

93 months

[news] 
Friday 15th January 2010 quote quote all
4rephill said:
My car gets automatically renewed every November. Last year the insurance went through renewel with no problem, payment made and Certificate received, as it has for the past 15years.

On December 23rd whilst driving home from visiting a friend, I got pulled over at Watford Gap service station by motorway police due to showing no insurance on the system. I informed them of who My insurance is through and how much it had cost Me to renew the month before, but I didn't have My insurance certificate on Me. As it was 12.10AM they could not check with My insurance via the telephone. The driver gave Me the benefit of the doubt and gave Me a producer to take to My local station (despite his female partner wanting to seize My vehicle and leave Me stranded at Watford Gap services!).

The next morning I went to My local station with all My documents and they informed Me not to worry too much about it and let it ruin My Christmas, as the insurance companies are useless at updating the system and they get a lot of people coming in for the same reason (The motorway Officer said pretty much the same thing!).

When I checked the AskMID site, sure enough My car was not on it. I complained to My broker (AA insurance) who said they would inform My insurers. Three months and many phone calls later it was still not on the site, even though I was assured that there was no problem with My insurance.

So I can assure you from personal experience that the AskMID database is not the be all and end all that some in this thread would have you believe.

Best advice, always carry a copy of your insurance certificate with you!. (As My local station advised Me to do). It's not guaranteed to stop you having problems but it will help if you get stopped.
It is high time that any insurance company which doesn't update MID within the 7 day timescale faced criminal prosecution. Why should any innocent MoP be faced with having their vehicle seized (some of whom have suffered exactly that fate and the OP had a narrow escape)? With the proposed Continuous Insurance legislation due next year the present situation simply isn't good enough. By that point MID updates need to be in real time. You can bet they won't be though.

GC8

15,021 posts

75 months

[news] 
Friday 15th January 2010 quote quote all
Do all insurers subscribe to the MIB database yet? It was far short of 100% not too long ago.

ymwoods

1,877 posts

62 months

[news] 
Friday 15th January 2010 quote quote all
Red Devil said:
With the proposed Continuous Insurance legislation due next year the present situation simply isn't good enough. By that point MID updates need to be in real time. You can bet they won't be though.
Sorry to change the subject, but thats a good point, if I buy a car, the seller cancels his insurance which (for arguments sake) takes only 3 days to be updated, but then my new insurance takes 7 days (or more) to update with my details. Potentially I would have to fight to clear my name.

JamesFR

534 posts

81 months

[news] 
Friday 15th January 2010 quote quote all
When I bought my Leon it took 7 days to go onto MID (I was checking on AskMID daily). I drove past a plain van I recognised as an ANPR van and had the copy of the insurance certificate ready to pass to the officer 200m down the road before he'd come into view.

He phoned through to my insurance company to check and was on my way within a couple of minutes.

As said, ANPR isn't live and our RPU guys check with the Bureau before seizing anything under S165 - unless the driver admits they're not insured. Rule of thumb is that if they say they're insured and you can't be pretty sure otherwise then it's just a HORT (Producer) and on their way. On balance it's a fair way of doing it - I'd be pissed if my car got seized and I was stranded with a £150?? bill and a long walk home + train fare, all because of somebody elses mistake.

Red Devil

6,003 posts

93 months

[news] 
Friday 15th January 2010 quote quote all
JamesFR said:
When I bought my Leon it took 7 days to go onto MID (I was checking on AskMID daily). I drove past a plain van I recognised as an ANPR van and had the copy of the insurance certificate ready to pass to the officer 200m down the road before he'd come into view.

He phoned through to my insurance company to check and was on my way within a couple of minutes.

As said, ANPR isn't live and our RPU guys check with the Bureau before seizing anything under S165 - unless the driver admits they're not insured. Rule of thumb is that if they say they're insured and you can't be pretty sure otherwise then it's just a HORT (Producer) and on their way. On balance it's a fair way of doing it - I'd be pissed if my car got seized and I was stranded with a £150?? bill and a long walk home + train fare, all because of somebody elses mistake.
And what happens if you get a tug at midnight and the insurance company's office is closed?
Then you're completely at the mercy of the indivudual officer. Encountering one who can't/won't accept that the computer is not infallible means a very expensive night out and a long walk/taxi ride home. It's not right and it's high time that we had a system of checking fit for the 21st century.

skeggysteve

4,468 posts

102 months

[news] 
Friday 15th January 2010 quote quote all
From my recent experience the MID is updated differently by different insurance companies.
I insured my car at the begining of December and it didn't show up for about 7 days but my old car was removed from MID 2 days after it was written off!

On the other hand a car I own that has not been on the road or insured for at least 5 years was still showing on MID as insured until I contacted them.

I understand that MID is is not used by all police forces (might have been a thread on here).

F i F

23,394 posts

136 months

[news] 
Friday 15th January 2010 quote quote all
Red Devil said:
It's not right and it's high time that we had a system of checking fit for the 21st century.
Agreed, I said a long time ago that it's about time the insurance company were forced to have 24 hr contacts that can be spoken and manned by people with some authority and experience to deal with what may be awkward issues of whether the driver is on cover or not and not just some callc entre twonk in :- points >> to A N Other location which may be other than in UK.

The above poster who had a lucky escape with one PC giving a HORT1 whilst another wanted to sieze is a typical situation where just a minor chance difference in attitude can end up with a completely different path being taken.

(off topic comment, why are proby WPC's almost invariably the arsey one these days?)

selwonk

1,706 posts

110 months

[news] 
Friday 15th January 2010 quote quote all
Gibson70 said:
selwonk said:
It can take weeks I'm afraid.
Not true. If you call the insurance company today and it will be updated on ASKMID next day.

Sorted smile
No - it is. Last time I swapped my car it took nearly three weeks despite the broker ensuring that the company had sorted the AskMID record.

LeoSayer

4,686 posts

129 months

[news] 
Friday 15th January 2010 quote quote all
Gibson70 said:
selwonk said:
It can take weeks I'm afraid.
Not true. If you call the insurance company today and it will be updated on ASKMID next day.
With my previous insurance policy, many hpone calls had no effect whatsoever. It wasn't on the database for 2 years.

Red Devil

6,003 posts

93 months

[news] 
Friday 15th January 2010 quote quote all
F i F said:
Red Devil said:
It's not right and it's high time that we had a system of checking fit for the 21st century.
Agreed, I said a long time ago that it's about time the insurance company were forced to have 24 hr contacts that can be spoken and manned by people with some authority and experience to deal with what may be awkward issues of whether the driver is on cover or not and not just some callc entre twonk in :- points >> to A N Other location which may be other than in UK.
+ 1.
If the insurance company had not updated MID, and due to their failure my car was seized by BiB, what do you think the prospects of success would be of taking them to court to recover any ensuing financial loss?

F i F said:
The above poster who had a lucky escape with one PC giving a HORT1 whilst another wanted to sieze is a typical situation where just a minor chance difference in attitude can end up with a completely different path being taken.
With a National Lottery ticket at least I might have a chance of a decent payout. With the above lottery there is no win at all and I risk losing a lot more than £1!

F i F said:
(off topic comment, why are proby WPC's almost invariably the arsey one these days?)
Answering that would probably get me banned from PH! rofl


GC8

15,021 posts

75 months

[news] 
Friday 15th January 2010 quote quote all
The ACPO are adamant that a car should not be seized simply because its details arent recorded on the MIB database. Where the driver insists that the vehicle is insured and constable cant contact the insurers, then they are supposed to issue an HO/RT1.

I have a copy of the ACPO guidelines somewhere, although Im sure than anyone interested can find them through Google.

Red Devil

6,003 posts

93 months

[news] 
Friday 15th January 2010 quote quote all
GC8 said:
The ACPO are adamant that a car should not be seized simply because its details arent recorded on the MIB database. Where the driver insists that the vehicle is insured and constable cant contact the insurers, then they are supposed to issue an HO/RT1.

I have a copy of the ACPO guidelines somewhere, although Im sure than anyone interested can find them through Google.
I have tried, and failed to find anything which supports that contention. Can you provide a link please?
However, given the way the ACPO's Code of Conduct is routinely downgraded by referring to it as merely Guidelines, forgive me if I remain a tad cynical that if ACPO have anything written down about the above scenario that it will be adhered to.

That said, if all that anyone had to do late at night was insist the vehicle is insured, it renders the seizure power impotent. The solution is obvious. As I said, sort out the insurer/MID interface, and as FIF said, compel insurers to have a 24 hour contact number with staff of a grade higher grade performing monkeys.

AIUI when a vehicle is seized issuing a HO/RT1 is an integral part of that process.


Rollcage

11,304 posts

77 months

[news] 
Friday 15th January 2010 quote quote all
AIUI, the MID is only supposed to be an indication as to whether a vehicle is insured or not. A PC should carry out further checks to ascertain the facts, and if the facts are not verifiable for whatever reason then a producer issued.
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