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Motor Insurance Database (MID) Team

A dedicated MID Team to help policyholders

MID Team

We have a dedicated MID Team to help policyholders who deal with the MID. If you have any concerns or queries relating to the MID or taxing your vehicle online please contact us.

How to contact our MID Team

0845 373 1243

Lines open:
9am - 5pm Monday to Friday

Email fleetmid@LV.com

Fax: 01277 359 105

If you're a Highway broker, you can log in to access your MID information

What you're responsible for:

If you're a Large Fleet policyholder with LV= and have over 20 vehicles

You're responsible for both informing the MID Team of all vehicles at inception so they can upload the details to the MID, and then keeping the vehicle schedule up to date on the MID. You must also inform your insurance broker of any vehicle changes.

If you're a Small Fleet policyholder with LV= and have less than 20 vehicles

We'll upload data to the MID for you.

If you're a Motor Trade policyholder with LV=

A proforma should have been completed by your broker at inception with all vehicles held by you. We'll use this information to load your vehicles onto the MID, but you're responsible for keeping the vehicle schedule up to date on the MID. You must also inform your insurance broker of any vehicle changes.

How to inform us of vehicle changes

  1. Download and complete the template and instruction sheet.
  2. Ask the MID Team to send a template and instruction sheet to you. This can be sent to you or your client either by Email or Fax as requested. The changes on the template can then be sent to the MID Team:
    Email: fleetmid@LV.com
    Fax: 01277 359 105
  3. For Motor Trade policyholders with 10 changes or less we can accept the changes over the telephone on 0845 373 1243
  4. Reporting direct to the MID
    We allow policyholders and brokers (on behalf of policyholders) to go direct to the MID to make changes. For more information about how to do this please contact the MID team on 0845 373 1243.

What the MID is for and why

  • The Motor Insurance Database (MID) is a record of every vehicle that is insured in the UK
  • The MID's objective is to combat uninsured driving
  • Continuous Insurance Enforcement (CIE) commenced 20 June 2011
  • Every vehicle in the UK must be listed on the MID (Motor Insurance Database)
  • There are compliance deadlines with fines for both insurers and policyholders if these are not met
  • Police use the information on the MID to check vehicles are insured
  • To purchase road tax for a vehicle online it needs to be listed on the MID

The Motor Insurance Bureau (MIB)

The MIB deal with victims of uninsured driving. Insurers are obliged by the virtue of the Road Traffic Act 1988 to be members of the MIB and contribute towards its funding.

The MIB oversee the running of the MID on behalf of the Government.

Compliance targets

The Department For Transport (DFT) have set specific targets for getting data on to the MID.

MID 1 or MID 2

January 2008

MID 1 – single vehicle policy

95% Policy and vehicle data to the MID within 7 days

MID 2 – multiple vehicle policy

-

Policies

95% policy data to the MID within 14 days

Vehicles

95% vehicle changes to the MID within 14 days

If these targets are not met, there are sanctions in place and the insurers will be fined by the MIB / DFT. If the policyholders of MID 2 policies do not keep the vehicle schedule up to date, they can also be fined up to £5,000.

The compliance targets are in force for several reasons

The fourth EU Directive on Motor Insurance

The fourth EU Directive states that each member country must be able to trace the insurer of a vehicle by the registration plate of that vehicle.

The UK achieved compliance of this directive by implementing the MID. The fourth Directive was introduced to make it easier for those injured in accidents (including your clients) whilst visiting another EU state to receive compensation by:

  • requiring there to be an Information Centre which can identify the insurer of the other party from the registration plate
  • allowing the injured party a direct right of action against the insurer
  • requiring the insurer to nominate a representative in the injured party's own country who has sufficient powers to settle the claim
  • ensuring that there is a compensation body to pay the claim in the event that the insurer cannot be identified or is unreasonably slow in settling a claim

Combating Uninsured Driving in the UK

The insurance industry recognised that uninsured driving was increasing the cost of insurance. The Government recognised the associated costs of uninsured driving and the impact that accidents involving uninsured drivers was having on hospitals, the Benefits Agency and on society in general and that these problems had to be tackled.

This led to the commissioning of a report by Professor Greenaway into uninsured driving in the UK. The recommendations in this report and the subsequent activity in the market have led to many operational and other changes by insurers, including the removal of days of grace and the move by many to auto lapsing of renewals.

The Association of British Insurers (ABI) commissioned a further report by PA Consulting, which gave an industry view on the original recommendations in the Greenaway report. This review, “Delivering a more up-to-date MID”, has been widely welcomed by the industry and Government as a major step forward in the industry playing its part in helping to combat uninsured driving.

The Association of British Insurers (ABI) commissioned a further report by PA Consulting, which gave an industry view on the original recommendations in the Greenaway report. This review, "Delivering a more up-to-date MID", has been widely welcomed by the industry and Government as a major step forward in the industry playing its part in helping to combat uninsured driving.

The police use the MID to determine whether a vehicle is insured. In fact they are the single largest user of the database with thousands of searches every day. The Police even have access via the Police National Computer whilst in their cars. They can check insurance details without even stopping vehicles.

Automatic Number Plate Recognition (ANPR)

This new technology allows the police to check vehicles passing the ANPR camera for insurance, using MID data. This has become one of the most useful tools in combating uninsured driving.

Electronic Vehicle Licensing

The DVLA has moved to online purchase of vehicle license duty or road tax as it is commonly known. To ensure that this runs smoothly it's necessary for DVLA to know that vehicles are insured. The MID is being used for this purpose.

Use of MID

  • As of 20 June 2011 it's a legal requirement for registered vehicle keepers to either insure their vehicle or SORN (Statutory Off Road Notice) it.
  • For this to work effectively in the industry, the MIB have set new targets - MID 1, MID 2 policies and MID 2 vehicles - 99.9% in 40 days.
  • Anti-Fraud initiatives will also use MID data. The ABI in conjunction with Polaris are creating an industry led database to combat serious organised fraud. This will link several databases, including MID, to identify and track serious fraud.

LV=, County Gates, Bournemouth, BH1 2NF, UK