Motor Insurance Database
Motor Insurance Database
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6C4GTS

Original Poster:

5,186 posts

209 months

Thursday 12th January 2012
quotequote all
I received a letter yesterday warning that my 911 was not registered on the MID.
It transpires that the specialist broker that I used, highly recommended on here, had neglected to register the policy on the database!!
Hopefully this is a one off but it only takes a minute to check your entry: http://www.askmid.com/

ViperDave

5,775 posts

284 months

Thursday 12th January 2012
quotequote all
Takes ages for my specialist broker to register mine also. Its a PITA as the TAX was due shortly after and i couldn't do it online, as such i queued up at the post office and i have taken the hit of an increased cost 6 month disk so hopefully it will be in the system by tax time in future. Other than that couldn't be happier with the insurance

6C4GTS

Original Poster:

5,186 posts

209 months

Thursday 12th January 2012
quotequote all
ViperDave said:
Takes ages for my specialist broker to register mine also
My policy started in August - that's some lag.

slinky

15,704 posts

280 months

Thursday 12th January 2012
quotequote all
The responsibility is not with the broker, broker sends details to insurer, insurer has obligation to update the MID within 7 days of inception of the policy.

Now, if the broker hasn't submitted the details to the insurer, then that's another thing entirely!

Stevej33

172 posts

224 months

Thursday 12th January 2012
quotequote all
slinky said:
Now, if the broker hasn't submitted the details to the insurer, then that's another thing entirely!
If that's the case, are you insured...???

GT Two

3,070 posts

223 months

Thursday 12th January 2012
quotequote all
Thanks for posting.

Tried to get a chip repaired in my windscreen and had a message left for me today from Autoglass to say the insurance co had no record of my car being insured!

Just checked and its showing as insured.

996ttalot

1,931 posts

206 months

Thursday 12th January 2012
quotequote all
We have used that website before to check insurance on cars.

My understanding is that the police system that checks road side etc (ANCP?) is linked to the same source they use. Whilst you may well be insured, you would get stopped and then have to spend time whilst they ring the insurance company and so on. Worth while checking if your car does come up.

thegoose

8,077 posts

241 months

Friday 13th January 2012
quotequote all
ViperDave said:
..the TAX was due shortly after and i couldn't do it online, as such i queued up at the post office and i have taken the hit of an increased cost 6 month disk..
Eh? You can buy 12 month discs from the Post Office. confused

ViperDave

5,775 posts

284 months

Friday 13th January 2012
quotequote all
thegoose said:
ViperDave said:
..the TAX was due shortly after and i couldn't do it online, as such i queued up at the post office and i have taken the hit of an increased cost 6 month disk..
Eh? You can buy 12 month discs from the Post Office. confused
yep, but by getting a 6 month one followed by 12 in due course, next year the tax wont be due at the same time as the insurance so i wont have to queue up again. probably should have added a comma or two to make it clearer.

ViperDave

5,775 posts

284 months

Friday 13th January 2012
quotequote all
6C4GTS said:
ViperDave said:
Takes ages for my specialist broker to register mine also
My policy started in August - that's some lag.
my new policy last year probably took 1 - 1.5 months to get on the system with chasing. This years renewal was quicker but still too long for the tax disk.

I would be worried if I were you if its since aug.

supermono

7,464 posts

279 months

Friday 13th January 2012
quotequote all
GT Two said:
Thanks for posting.

Tried to get a chip repaired in my windscreen and had a message left for me today from Autoglass to say the insurance co had no record of my car being insured!

Just checked and its showing as insured.
You dodged a bullet there mate. Autoglass? What are you thinking?

SM

MrCooke

796 posts

226 months

Friday 13th January 2012
quotequote all
They must be doing a job lot - I got four separate letters to the same effect this week.

supermono

7,464 posts

279 months

Friday 13th January 2012
quotequote all
What's amazing is you can buy an insurance policy fair and square and then be subjected to a humiliating stop and maybe even have your car lifted by some fat thug unless you can prove you're insured!

We know the database isn't accurate yet they still legally cause you massive hardship if 'computer says no'

Sure we want to get uninsured scum off the roads but we need a production strength system to register insurance.

Imagine if the same bozos who dreamed up this hobby system were doing credit card transaction data.

Makes me mad.

SM

ChipsAndCheese

1,608 posts

195 months

Friday 13th January 2012
quotequote all
6C4GTS said:
I received a letter yesterday warning that my 911 was not registered on the MID.
It transpires that the specialist broker that I used, highly recommended on here, had neglected to register the policy on the database!!
Hopefully this is a one off but it only takes a minute to check your entry: http://www.askmid.com/
Was that HT by any chance? I got pulled by a police interceptor with ANPR about 2 months after I took out my policy with them as my car flagged as not being insured. Annoyingly it was outside of office hours so nobody there to take call and I got given a producer. Called HT next day though, and they said it was Aviva's fault but that they'd chase them on it.

sticks090460

1,125 posts

189 months

Friday 13th January 2012
quotequote all
Stevej33 said:
slinky said:
Now, if the broker hasn't submitted the details to the insurer, then that's another thing entirely!
If that's the case, are you insured...???
Yes if the broker has Binding Authority, which he almost cerainly will. I'm assuming OP has a schedule or cover-note.

Maersk

1,091 posts

182 months

Friday 13th January 2012
quotequote all
Few years ago now but upon renewal of my 3 series coupe, the insurer said they didi not know me or my car. Transpires the broker had pocketed the money and I had been uninsured for a year!

Obviously pre ANPR and MID. Apparently this guy had been doing it to a lot of people.................

Makes you think......

Then this year, the offshore telephone centre 'forgot' to change/enter my details so was uninsured (technically this time) for about 6 weeks until I rang UK about another issue and discovered I was insured on the car I had sold 6 weeks previously but not on my current one!

NEVER, ever use offshore call centres. If you get one and ask to be out through to a UK operator, they have to do it. It is a legal obligation.

I just will not use companies that do not have UK based operations now.

RudeDog

1,670 posts

205 months

Friday 13th January 2012
quotequote all
996ttalot said:
We have used that website before to check insurance on cars.

My understanding is that the police system that checks road side etc (ANCP?) is linked to the same source they use. Whilst you may well be insured, you would get stopped and then have to spend time whilst they ring the insurance company and so on. Worth while checking if your car does come up.
ANPR - As in 'Automatic Number Plate Recognition'

HTH

Ekona

1,684 posts

233 months

Friday 13th January 2012
quotequote all
Maersk said:
NEVER, ever use offshore call centres. If you get one and ask to be out through to a UK operator, they have to do it. It is a legal obligation.
Source? Not doubting you, I'd genuinely like to know so I can quote it myself to companies in the future. smile

Maersk

1,091 posts

182 months

Friday 13th January 2012
quotequote all
Seem to remember it being in the 'Telegraph'. Sadly that is a newspaper.

However, I have used the tack successfully on a number of occasions in recent months. Person stops his/her rehearsed spiel and click................purrrrr, ring ring.

Heloo, In Welsh or Bathgate.....

6C4GTS

Original Poster:

5,186 posts

209 months

Friday 13th January 2012
quotequote all
ChipsAndCheese said:
Was that HT by any chance?

whistle