If you’ve mislaid your certificate of motor insurance, there are various ways to check if your car's insured and who your insurer is.
If you think you might have bought your car insurance through Gocompare, it might be as simple as signing into your account.
Just click the 'sign in' button on the top right of the page and enter your email address and password.
Your recent purchase information will be in the 'Your car insurance' section.
If you can’t find your car insurance policy documents, enter your registration details on askMID to check the Motor Insurance Database (MID). It’s free and you’ll know within seconds if your car is covered or not.
If any of the details are wrong, the MID can’t update them for you – you’ll need to contact your insurer.
If you do have your policy documents, the start and end date of your cover should be there, along with your policy number.
Your current insurer will have all the information about your policy. If you don’t know who your current insurer is, your previous provider might have some details about who you transferred to.
Look for payments to an insurance company then you can try to contact them for more information.
You may have had confirmation from the insurer. Don't forget to look through your junk and spam folders.
Yes, your policy will probably auto-renew on the policy end date, unless you’ve specifically you’re your insurer not to do this.
Autorenewal can be convenient, as it stops you from accidentally being uninsured – but it can also cost you. Sometimes insurers charge you more for sticking with them, even if nothing’s changed on your policy.
Your insurer will send you a letter three or four weeks before the end date of your policy to let you know it’s due for renewal, and to ask whether you want to cancel.
Even if your policy does auto-renew, you have 14 days’ cooling off period when you can cancel it, though you might be charged a cancellation fee, or for time on cover.
You could set a reminder in your diary for when your insurance is up to avoid auto-renewal. This will give you time to take matters into your own hands – compare car insurance and see if you can get a better deal.
Check your insurance is still in date and hasn’t expired without you realising.
Driving without insurance is illegal and the consequences could be severe.
The fixed penalty for driving without insurance is £300. If you’re taken to court the fine is unlimited.
On top of the fine, you’ll get six penalty points on your licence.
If it goes to court, or you’re a repeat offender you could lose your licence.
You’ll have to declare any points or convictions to future insurers, and they’ll put your premiums up because of them.
No, you’re legally required to have at least third-party only (TPO) insurance to drive your car or park it on the street. The police can instantly check whether your vehicle is insured using the MID.
Yes – if you don’t drive your car, and you keep it either in your garage or on your driveway you don’t need to insure it.
You need to get a Statutory Off-Road Notification (SORN) from the Driver and Vehicle Licensing Agency (DVLA) first.
If you don’t you could be fined £100, get taken to court, or have your car destroyed.
If you’ve checked the MID and found that you’re covered, it’s then a case of tracking down who your insurer is:
Last checked 3 June 2021
ONS Crime Survey for England and Wales (CSEW) data for April 2019 to March 2020