If you’ve mislaid your certificate of motor insurance, there are various ways to check if your car is insured and the terms and status of your insurance.
You’ve mislaid your car insurance documents, or forgotten your renewal, and you’ve got an awful feeling your cover has lapsed.
Don’t panic - it’s easy to get back on top of your insurance admin.
If you can’t find your car insurance policy or any associated papers, there’s a quick and easy way to check whether your vehicle’s insured.
Enter your car registration details on the Motor Insurers’ Bureau website to run a quick check against the Motor Insurance Database (MID).
It’s a free service and you’ll know within seconds if your vehicle is covered or not.
If you don’t have insurance for your vehicle and you get stopped by the police you could be fined £300 and end up with six penalty points on your licence.
It’s well worth checking that your insurance is still in date and hasn’t expired without you realising.
And if you find it is still in date, set a reminder in your diary for when it’s up for renewal, because...
Auto-renewal comes at a cost
You should get an automatic renewal invitation from your car insurer, provided it has your current address, but it’s also worth making a note of it in your diary or calendar too.
Automatic renewals are convenient, but they're an opportunity for your insurer to hike the price of your cover.
Take matters into your own hands and compare prices when your car insurance is due to see if you can get a better deal.
Last checked 27 August 2019