Why update the MID database?
Under the terms of the 4th EU Motor Directive, car, van or bike registration details must be added to the Motor Insurance Database (MID). This includes commercial, motor trade, and fleet ownership. Failure to provide accurate information is an offence carrying a maximum penalty of £5000.
Adding registration details to the database can also help speed up a claim in the event of theft or accident, and prevent wrongful charges of driving without insurance, which could lead to a variety of problems.
Who is responsible for updating the MID?
In most cases of private ownership, the insurer or broker will add registration details to the MID. However, it is the owner’s responsibility to ensure that accurate details have been registered with the MID, so it’s wise to check.
How do I update the MID?
If you’re a Unicom client then adding and removing data can be done quickly and easily online, either through the website or by using the downloadable bookmark.
What information is required?
For each addition to the database, you will need to know the registration number, make and model. In addition, you must select the vehicle body type, whether car, and state the cubic capacity of its engine, if privately owned, or the gross weight (GVW) if commercial.
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What does it cost to update the MID?
Making amendments to the MID is free of charge. There is no limit to the number of times you can add or remove your vehicles from the database.
How often should the information be updated?
Any changes in status should be reported as soon as possible, ideally before the change takes place, or immediately afterwards. This includes adding an item to your policy, or removing one. If the information is not updated, you may find yourself liable for a vehicle you no longer own, or facing erroneous charges from the police or DVLA for uninsured driving.