Do I need to update the MID on changes to my fleet?

The Motor Insurance Database (MID) is a government database which stores the details of every insured vehicle in the UK. It exists to reduce the number of uninsured vehicles on the road as well as assisting with claims that occur in the EU.

The police use the MID to identify uninsured vehicles, using Automatic Number Plate Recognition (ANPR) cameras which are fitted to most police cars and are used on the road network. They can check which company a vehicle is insured with and who is named to drive on the policy.

It is a legal requirement to keep the MID up-to-date with any additions or deletions to your vehicle fleet. Some insurers will do this automatically for you when you notify them of any changes but the onus is on you, the policyholder, to ensure that the vehicles are correct at all times.

You should try to update the MID immediately via the MID online portal, although you have 7 days from the date that you take delivery of the vehicle to amend this on the website. This still applies if your policy is on a declaration basis.

For our valued customers, we do offer an MID update service for a nominal charge.