Insurers’ Information Centre was established by the UK
Insurance Industry in the year 2000 to oversee, on
their behalf, the development of the
Motor Insurance Database (MID). The database is
now managed by the MIB.
conception the MID was intended to be a tool in the
reduction of uninsured driving in the UK (a problem
which cost the industry £215m in that year alone and
now costs in excess of £500m). The UK has one of the
worst records in Western Europe with an estimated one
in twenty cars on the road being driven without proper
insurance cover. Initially, the MID was designed
to hold the insurance details of the 22 million
individually insured UK vehicles.
Using the MID, police forces around the country can
now carry out on-the-spot checks on motorists to see
whether they are insured.
4th EU Motor Insurance Directive
As well as
helping the police to fight crime, the MID now provides a solution to another challenge. In January
2003 the Fourth EU Motor Directive was
implemented, requiring that the insurers of all
UK vehicles be readily identifiable by an information
centre. The MID now also holds details of
UK fleet vehicles and their insurance details.
Insurers are responsible for inputting the policy data
onto the database, policyholders must submit their
vehicle data either by sending it direct to their
insurer, or by sending it over a secure web
connection. Policyholders should liaise directly with
their Insurers in order to find out how they can
submit their data to the MID.
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