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The UK has one of the worst records in Western
Europe for uninsured driving with an estimated one in every twenty
cars on the road being driven without insurance. This
results in every honest motorist in the UK paying up to £30 of their
insurance premium to compensate the innocent victims of these
cheats, and the problem is growing
at a dramatic rate.
The Motor Insurance Database (MID) was set up by the insurance industry to
help combat this crime, and the police are now the MID's biggest
customer, making over 3.8 million enquiries per month. The
DVLA, with over 1 million enquiry transactions a month in support of
their Electronic Vehicle Licensing operation, is the second largest
user of the MID. The MID
also helps the UK comply with the 4th EU Motor Insurance Directive, which requires that insurance details of
all vehicles in member states can be easily accessed by a national
information centre. In the UK, this role is carried out by the
MIB via the UK Information Centre.
If your
vehicle is privately insured it will have already been entered onto
the MID by your insurer. However, if you are a fleet
policyholder you need to act now. To read more about your
obligation to submit your vehicle details to the MID, please click
on the Fleet Policyholders link above.
* Commercial
policyholders, including fleets, motor
traders and taxi firms, should view the
Fleet Policyholders area of the
website *
MIIC is a division of
the Motor Insurers' Bureau (MIB). From here you may go
to the MIB website.

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