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How To Check If A Car Is Insured

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In the UK, it’s against the law to drive on any public road without valid insurance. The penalties for doing so can be quite severe.

As of 2020, the maximum penalty for driving without insurance is 6 to 8 penalty points on your license, plus a fine.

The fine is means-tested, therefore they can be anything up to £5,000 depending on your earnings. In some cases, there is even the possibility of receiving a driving ban.

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If caught driving a vehicle with no insurance the police have the power to both seize and destroy your vehicle.

If the case is extreme enough and the police refer it to the courts, then you can face an unlimited fine. You can also be disqualified from driving. So, pretty severe stuff.

How do I check if my car is insured?

The easiest way to find out whether your car is insured is to note down the registration number of your vehicle. You can check this against the national Motor Insurance Database.

This is a national register of all of the cars insured in the UK and is available to all registered insurance companies as well as other authorities such as the police and DVLA.

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A search on the motor insurance database is free to conduct. However, there is a nominal free if you wish to find out additional details such as the name of the insurance provider and specific details about the policy.

We don’t offer an “insurance check” here at Free Car Check, because does not resell their data. AskMID is run by the insurance industry and they do not resell access to their database.

So in other words, the only place to find out if the vehicle is insured is by going direct to the website

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