MID Updates
Submit Your Motor Insurance Database Updates Quickly & Easily
As a motor trader, all vehicles insured by your motor trade insurance policy and all trade plates registered to you or your company should be added to the MID, including:
- All permanent vehicles (i.e. vehicles registered to, owned by, or leased to you) and any vehicle in use that is to be regularly covered by the policy
- Taxed stock vehicles (if held for more than 14 days)
- Vehicles for which only contingency insurance is held if they are kept more than 14 days
Your MID record does not need to be updated with untaxed stock vehicles (i.e. driven on trade plates), although if it is easier simply to notify every vehicle, this is fine, in fact this is MIIC’s (Motor Insurer’s Information Centre) preferred approach.
When a licensed vehicle leaves your stock, remove it from the MID.
Please be aware failure to comply with the Motor Insurers Bureau legislation on the Motor Insurance Database could result in a £5,000 fine. Not to mention the fact that the new owner of the vehicle could be acquiring parking fines and/or committing driving offences whilst using the vehicle and the authorities will pursue you for either their settlement or to issue a conviction.
Please also be aware that although you have 14 days to update the MID once you have taken possession of the vehicle, the police may still impound any vehicle that does not appear on the MID. For your own protection we recommend carrying your insurance certificate or a valid cover note with you at all times when driving a vehicle that has not yet been placed on your MID record.
For the ease we have provided the contact details for MID Update submission for all our motor trade partner insurers below.
MID INSURER INFO FINDER
Please select your insurer:
Aviva Insurance
Updates can be processed at the MID Portal. Please liaise with Aviva’s MID Helpdesk on 0161 866 4222 between 9am – 5pm to acquire a login and password.
AXA Insurance
Updates can be processed at the MID Portal. For a password please liaise with AXA’s dedicated MID Helpdesk Team on 0330 024 5345 or email mid.axa@axa-insurance.co.uk.
Allianz Insurance
Updates can be processed at Allianz’s website. Should you require more information or any assistance please email mid.helpdesk@allianz.co.uk or call 0345 073 1118.
Arch Insurance
Updates can be processed at the MID Portal. For a password please liaise with Arch’s dedicated MID Helpdesk Team on 0808 234 4265 or email midhelpdesk@archinsurance.com
Covéa Insurance
Updates can be processed at Covéa website. Covéa do not provide a helpline number but should you require assistance please do not hesitate to contact our MID team on 0844 576 5757.
Eridge Insurance
Updates can be processed at the MID Portal. Policy holders should contact Plan’s MID team initially on 0844 576 5757. between 9 and 5, Monday to Friday, to obtain a login and password. Should you have any issue accessing the system please email motortrade@eridgeunderwriting.com.
NIG Insurance (underwritten by RSA)
Updates can be processed at the MID Portal. Policy holders should contact NIG’s MID helpdesk initially on 0845 609 0689 between 9 and 5, Monday to Friday, to obtain a login and password.
QBE Insurnace
Updates can be processed at the MID Portal. Policyholders should contact QBE’s MID helpdesk on 0800 389 2674 or email mid.helpdesk@uk.qbe.com to obtain a login and password.
Tradex Insurance
Please visit Tradex’s website here to register and process MID updates or call Plan’s MID team on 0844 576 5757 for further assistance.
The Motor Insurance Database (MID) is an online database holding all the information on every insured vehicle in the UK. For Motor Trade Combined policies, most insurers now request that the policy holder updates their MID record directly with them online, with the login details provided when the policy was purchased.
European Legislation (4th Motor Insurance Directive) introduced in January 2003 requires that all Member States maintain a national database that contains details of every insured vehicle. These databases are designed to make it easier to pursue cross-border claims, and also help with the enforcement of compulsory motor insurance requirements in the UK.
The MIB, or Motor Insurance Bureau, is responsible for the Motor Insurance Database (MID). This is who would contact you if you haven’t added a vehicle in your possession to the MID.
In terms of your insurance cover you have 14 days to notify the MID of vehicles being used on the road. For your own protection we recommend when driving a vehicle that is not on the Motor Insurance Database you carry proof of your valid motor trade insurance. However be aware if the vehicle is not on the database and should they feel need to, the Police are within their rights to impound your vehicle within the 14 day period even if you are carrying proof of your valid motor trade insurance.
Customers vehicles should never be added to your own policy. The policy holder may only be covered on a customer’s vehicle if the vehicle is already insured and showing on the MID.
If you have owned the vehicle for more than 14 days the insurer could decline all aspects of cover, also even with a valid certificate in your possession the Police could still impound the vehicle if it does not appear on the database. You will be able to retrieve your own vehicle from the compound but will still be charged the applicable fees by the Police.
Untaxed own or stock vehicles which are kept off the public road and registered SORN do not need to be notified to the MID but for insurance purposes and to fully protect yourself it is best practice to update the MID with all owned vehicles in your possession.
If you’re no longer the owner of a vehicle and have failed to remove it from your MID, your policy may become liable for a claim that that vehicle has. It will therefore have a negative impact on your insurance.
Motor traders should register their trade places on the MID in exactly the same fashion as they would a motor vehicle.
In most cases the Police should accept proof of ownership, a valid driving license and your current insurance certificate. However, every police officer is different and an increasing number wish to see a letter either from the broker or insurer confirming the registration and that the policyholder was indeed covered at the time of seizure.
There are various ways to update your record with vehicles for the Motor Insurance Database, this can be done through our website on the MID update page. If you have access to the internet via your smartphone visit this page mobile updates and add a link to your phone’s homepage so you can update your MID record whilst you’re out and about.
For Motor Trade Combined policies most insurers now request the policyholder update their MID record directly with them via the internet where a password and login are provided at inception.
If you have any problems regarding your MID Update please don’t hesitate to contact our office either by email to MID@planinsurance.co.uk or by phone directly to our customer services team on 0208 655 8207.
Please note that the Plan team are not authorised to add vehicles to the MID on your behalf.
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