Who is my car insured with?
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 over 60 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 where we get inundated with calls from motorists who can’t remember their car insurance company.
So if you’re asking yourself ‘is my car insured’ or ‘who am I insured with’ and ultimately ‘how do I find out who I’m insured with’, this is how you can find out.
1. Search the Motor Insurer’s Database (MID)
MID holds the details of all insured cars in the UK. It’s quick and easy to use – just enter your reg plate and if you’re insured, your details will come up.
That part is free but if you want to know who you’re insured with and details of your policy, there’s a small fee of £4.
2. 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.
3. 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.
4. 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 you can use the Motor Insurance Database (MID) but there is a £4 administration fee.
How to check if a car is insured:
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 or not you’re going to make a claim and whether or not it was your fault.