Data from the Motor Insurance Database (MID) is shared with all UK police forces so that their Automatic Number Plate Recognition (ANPR) cameras can quickly and easily tell if the vehicle in front of them is insured or not. Vehicles being driven without valid insurance may be seized by police.
Our Police Helpline is available to police officers who have stopped a vehicle at the roadside where the validity of the vehicle and driver’s insurance is in question.
Our phone operatives speak directly with insurance companies to clarify information and make sure that the police have the right information with which to make a decision.
If you are caught driving a vehicle on UK roads without valid insurance, the consequences could include:
- Having your vehicle seized
- 6 penalty points on your driving licence
- A fixed penalty of £300
- a fee to release your car
All this and you will still have to buy valid insurance, and this is likely to be at a higher premium than it would have been before being caught.
If the case goes to court you could get:
- an unlimited fine
- disqualified from driving
My car doesn’t leave the drive, so I don’t need insurance
Only if you have notified DVLA that you have a Statutory Off Road Notice (SORN)