Who is my car insured with?

Posted by mustard.co.uk on June 29th, 2017

When it comes to finding car insurance, comparison websites like mustard.co.uk are brilliant because they allow you to compare quotes from lots of different insurers.

On mustard.co.uk that means users could see quotes from up to 40 brokers, so keeping track on who you’re actually insured with can be complicated.

At least, that’s what we find at mustard.co.uk HQ where we get inundated with calls from motorists who are unsure who they’re insured with.

So if you’ve forgotten who you’re insured with, this is how you can find out.

1. Check your emails

As with any purchase you make now, you’ll usually get a confirmation email from your insurer.

Check your inbox around the date that you set your insurance policy up and keep an eye out for insurance companies.

If you used a comparison website, you’ll have emails from them as well. While they won’t be able to tell you who you bought your policy from, it could jog your memory.

2. Check your bank account

If you pay monthly, you should see a regular payment going to an insurer in your monthly statement.

If you paid annually, go back to the date your policy began and check for any payments going to a broker.

3. Retrieve your quote from the comparison website you used

If you used a comparison website, like mustard.co.uk, you should be able to retrieve your quotes.

Again, you won’t be able to see which policy you bought, but you will be able to see the cheapest quotes they provided for you.

This could jog your memory or at least whittle down the search to a couple of options in your inbox.

I’ve been involved in an accident, how do I find out the other party’s insurance details?

If you’re trying to find out who somebody else is insured with because you’ve been involved in an accident the Motor Insurance Database (MID) has created a useful website you can access from your smart phone.

How to run a car insurance check on another driver’s vehicle insurance details:

1. Visit askMID.com
2. Enter your email address
3. Enter your vehicle registration number
4. Enter the third party’s vehicle registration number

If the other party’s details do not display, it’s a good indication that they are not insured as they are not on the MID.

What to do if you’re hit by an uninsured driver

If you’re involved in an accident and the third party is uninsured you should:

– Report the accident with the police within 14 days for personal injury claims
– Report the accident with the police within 5 days for claims involving property (e.g. damage to your car)
– Inform your insurer about any accident you’re involved in, whether you’re going to make a claim and whether or not it was your fault