The MID (Motor Insurance Database) contains the insurance policy details of all insured UK vehicles. It is accessed by different people, in different ways, for different purposes.
The Motor Insurance Database (MID) is the only centralised database of motor insurance policy information for all insured vehicles.
All insurers who underwrite motor insurance for vehicles on UK roads are obliged to be members of the MIB and to submit the policy details of ALL vehicles to the MID.
The process of getting the information to the MID is managed by MIB but the data is loaded directly by the insurers and their representatives.
Updates are made to the database round the clock, every day of the year. Insurance companies and those acting on their behalf endeavour to get data about new policies and revisions to existing policies to the database as soon as they can. However, policy information cannot always be updated to the database immediately.
There are targets for insurance companies to get their data onto the database in a timely and accurate manner.
Insurers are financially penalised if their data does not reach the database within timescales set by the Department for Transport (DfT).