Is your car your pride and joy, or are you ready for a change? Let us know and you could win a £300 John Lewis voucher | No thanks

Keepers of Uninsured Cars Now Automatically Traced and Fined

Published 02 November 2018

There is now no way out of either putting a car on SORN or continuously insuring it. Taking it off the road is not enough. You don’t need to be caught driving without insurance. If a car is not on SORN and is not on the Motor Insurer's Database it is now automatically picked up and the registered keeper is sent a warning.

These warnings are being sent out to as many as 3,000 keepers of uninsured cars every day thanks to an automated scheme operated by the Motor Insurers’ Bureau (MIB) and Driver and Vehicle Licensing Agency (DVLA). 

In 2017 these warnings were sent to hundreds of thousands of keepers of uninsured cars and around 250,000 people were automatically issued with a fixed penalty notice.

Data held by the Motor Insurance Database (MID) - which is a central record of all UK motor insurance policies - is systematically compared with DVLA vehicle records to identify drivers that appear to have no insurance.

This system of issuing Insurance Advisory Letters (IAL) means no need to catch uninsured drivers on the road. IALs warn recipients to insure their vehicle or if it is ‘off the road’ to make a Statutory Off Road Notification (SORN) to DVLA. Those who fail to comply (around one in every three) receive a fixed penalty notice and could face court prosecution, a £1,000 fine and their vehicle being seized and crushed.

If a member of the public wants to know if their vehicle is showing as insured on the MID, they can check for free at www.askMID.com or speak to their insurer.

Comments

De Sisti    on 2 November 2018

What's wrong with continually insuring a motor vehicle? I think the first sentence in the article needs to be proof-read again by its author.

glidermania    on 2 November 2018

What's wrong with continually insuring a motor vehicle? I think the first sentence in the article needs to be proof-read again by its author.

It means a car has to be SORN or continously insured. Nothing wrong with the first sentence.

De Sisti    on 2 November 2018

It reads like two contradicting statements. Proof read fail in my opinion.

Doc    on 6 November 2018

The first sentence is badly phrased.

Add a comment

 

Ask Honest John

Value my car

Amount to borrow
Sorry. The minimum loan amount is £1000
To pay back over

My credit score

Best available rate 9.20%

Total repayment £8,930.17

Total cost of credit £1,430.17

£186.05

48 monthly payments

Apply now

Representative example

Borrowing £7,500 over 4 years with a representative APR of 25.4%, an annual interest rate of 25.4% (Fixed) and a deposit of £0.00, the amount payable would be £239.77 per month, with a total cost of credit of £4,008.96 and a total amount payable of £11,508.96.

CarFinance 247 Limited is acting as an independent credit broker

Universal Square, Devonshire Street North, Manchester, M12 6JH