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Motor Insurance Database

parisp Avatar
2y, 3w agoPosted 2 years, 3 weeks ago
Ok. I got a new insurance policy online at 2am Friday morning. As of yet it still isn't on the motor insurance database. Yes I don't want to here well you're still insured bla bla. Problem is were travelling quite far Xmas day and I'm at great risk of being pulled with 3 kids in the car by the police and with it being Xmas day they cannot verify that I'm insured even when I hand them the cover of insurance. I've rang Swinton up about this 3 times and they said it can take 7 working days so because of Xmas it's likely to be after new year they update. I'm very peed off about this.

Is there anything I can do. I've asked them to do it manually and they said it should go on automatic but I am deffo insured. Doesn't seem right to me
parisp Avatar
2y, 3w agoPosted 2 years, 3 weeks ago
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Best Answer
parisp
ipodandlaptops
I can't be bothered to read 3 pages so I apologise if it's already been said.
When stopped by police, they can either call the insurance company or call the MIB police helpline team. Said team has access to the database that show will show the insurance policy being active. Their system is instantaneous.

Personally I think your being paranoid. Calling the insurance 3 times, seems a bit loopy. What if you get 2 punctures and you only have 1 spare tyre. OMG the horror. :{

No need to worry now it was added this afternoon. Although I still stand by what I have said. I do think it should be added instantly like it is removed

And if I'm honest I wouldn't have the slightest clue how to change a tyre etc lol x

You change the wheel and not the tyre! ;)

All Responses

(51) Jump to unreadPost an answer
Responses/page:
Page:
#1
carry copy of policy in car and enjoy xmas..
#2
justanothercid
carry copy of policy in car and enjoy xmas..

Yes I will do but it seems sometimes this may not be enough. I just don't want the worry in Xmas day.

But Thankyou merry Xmas to you too xx
#3
If it's not on the data base the cops will call your insurance and verify...simples

Enjoy your trip on Xmas day but be safe and drive carefully
#4
[quote=philphil61]If it's not on the data base the cops will call your insurance and verify...simples

Enjoy your trip on Xmas day but be safe and drive carefully[/quote
But on Xmas day they will be closed. And have a nice Xmas too xx
#5
parisp
[quote=philphil61]If it's not on the data base the cops will call your insurance and verify...simples

Enjoy your trip on Xmas day but be safe and drive carefully[/quote
But on Xmas day they will be closed. And have a nice Xmas too xx

Still won't affect the issue - the driver will be insured and will probably have to produce within 7/14 days


Edited By: philphil61 on Dec 22, 2014 23:34
#6
You're worrying over nothing, you are insured.
#7
parisp

I'm at great risk of being pulled with 3 kids in the car by the police

Why?
#8
Call me "doubting Thomas", but I think there's more to op's problem than what he lets on.
#9
ceres
parisp

I'm at great risk of being pulled with 3 kids in the car by the police

Why?

Because the ANPR will say she is not on the MID.

But in reality its very unlikely she will be pulled over. If she carries a copy of the insurance and of the bank standing to prove payment she should be fine.
#10
Record the call.
#11
This really isn't good enough, it should be on the database immediately.

How on earth can anybody buy and tax a car to drive it home legally, if it does not show up on the database straight away.?
#12
There isn't more to it. Like I say. I am insured I do have a certificate of cover BUT on the police database I am technically NOT insured until I get pulled and prove I am

Edited By: parisp on Dec 23, 2014 00:03
#13
mudddy
Call me "doubting Thomas", but I think there's more to op's problem than what he lets on.

Doubting Thomas you my friend are incorrect. Have faith x
#14
My point is I don't want to get pulled and spend however long proving I have cover. I'm sure the kids wouldn't like it if they thought I was in trouble
#15
The police do not work on Christmas day as it is a bank holiday.

Don't worry about it.
#16
Inactive
This really isn't good enough, it should be on the database immediately.

How on earth can anybody buy and tax a car to drive it home legally, if it does not show up on the database straight away.?

Exactly. I've read on lots of forums about this. It seems Swinton who I took cover with are notorious for not updating. One lady had her car impounded and still had to pay the fee even though she had cover
#17
But it's really not the end of the world if you get pulled over as long as you're legal. Just don't worry about it, even at the worst case scenario you still have time to prove you're insured as they'll just ask you to produce your documents within a certain time scale.
#18
Chiptivo
The police do not work on Christmas day as it is a bank holiday.

Don't worry about it.


I am not the blonde in the pic haha x
#19
justanothercid
carry copy of policy in car and enjoy xmas..
^This.
#20
I suppose if you are really worried you could pop to your local police station tomorrow. Ask the to do a check with the insurance (if not in MID) and ask them to put a marker on PNC.
#21
parisp
Chiptivo
The police do not work on Christmas day as it is a bank holiday.

Don't worry about it.


I am not the blonde in the pic haha x

Who is the blonde in the pic?(_;)

Sorry.
#22
GAVINLEWISHUKD
I suppose if you are really worried you could pop to your local police station tomorrow. Ask the to do a check with the insurance (if not in MID) and ask them to put a marker on PNC.

I guess I will just have to wait!! I can see me getting pulled quite a lot over the xmas period as I have a million places to get to! Thanks guys I hope you all have a lovely xmas xxx

Edited By: parisp on Dec 23, 2014 00:11
#23
GAVINLEWISHUKD
parisp
Chiptivo
The police do not work on Christmas day as it is a bank holiday.

Don't worry about it.


I am not the blonde in the pic haha x

Who is the blonde in the pic?(_;)

Sorry.

Sister in law x
#24
By Christmas Day, it might have been updated anyway.
#25
parisp
GAVINLEWISHUKD
parisp
Chiptivo
The police do not work on Christmas day as it is a bank holiday.

Don't worry about it.


I am not the blonde in the pic haha x

Who is the blonde in the pic?(_;)

Sorry.

Sister in law x

Your husbands single sister?

Wow this thread went off track! :)
#26
GAVINLEWISHUKD
parisp
GAVINLEWISHUKD
parisp
Chiptivo
The police do not work on Christmas day as it is a bank holiday.

Don't worry about it.


I am not the blonde in the pic haha x

Who is the blonde in the pic?(_;)

Sorry.

Sister in law x

Your husbands single sister?

Wow this thread went off track! :)

You missed out by about 2 months! Just been snapped up by some lucky guy ha x
#27
parisp
GAVINLEWISHUKD
parisp
GAVINLEWISHUKD
parisp
Chiptivo
The police do not work on Christmas day as it is a bank holiday.

Don't worry about it.


I am not the blonde in the pic haha x

Who is the blonde in the pic?(_;)

Sorry.

Sister in law x

Your husbands single sister?

Wow this thread went off track! :)

You missed out by about 2 months! Just been snapped up by some lucky guy ha x

I missed out because of timing....... I can live with that! X)
#28
This whole thread is pointless.

IF you get pulled, show your copy. They'll see the dates and either call or worse case issue a producer.

This nonsense about technically not being covered if it doesn't show up is just that, nonsense. Don't worry. As long as your taxed and tested you'll have nowt to worry about.

Safe driving and enjoy Christmas
#29
How do you know your not on the database?

If it through a site like http://www.askmid.com/ then I wouldn't worry because apparently I am not insured either, yet already in December have passed though 4 AMPR check zones

If you are concerned, contact your insurer and ask them to check the database and add your details if they are not added. I would imagine you are on there thou as it is a requirement of your insurance company
#30
Comment
Chiptivo
The police do not work on Christmas day as it is a bank holiday.

Don't worry about it.
fact!
#31
Comment
GAVINLEWISHUKD
I suppose if you are really worried you could pop to your local police station tomorrow. Ask the to do a check with the insurance (if not in MID) and ask them to put a marker on PNC.


This is the best advice.

Your right to be concerned. If your not on the database, if you are pulled over, as far as the poilce are concerned, you are not insured. Easy.
Showing them a policy document or bank payment won't do any harm, but it won't help. This is because for years, people would take out a policy wait until they get a certificate then cancel the policy.
If the police who pull you can't trace a valid policy, your car will be impounded. The days of producers for non insurance have long gone.
There should be someone somewhere at your insurance company contactable on Xmas day - as far as I'm aware, they don't fully close down.
If you are truly worried, pop into your local police station.
Otherwise, carry a copy of your policy and a contact number for your insurance company and explain to the police if you are stopped.
#32
The local Rozzas won't do a thing about it, stop worrying. Worse case is a producer but it a) might be up by then amyway or b) you won't get stopped.

I know carrying a copy doesn't prove a policy due to the cancellation ploy people try on (see above) but as it's so new you'll be fine. It's when people have. a4 month old copy in their car they get suspicious!
#33
The real issue, is the OP's insurer is not making certain that the MIB Database is updated immediately, as it should be, in fact it is essential with the new ( October 1st ) road fund licence set up.

My LG insurer updated mine immediately.

I would complain to the insurer.
#34
Even if the database isn't updated instantly why does this matter? The police APNR cameras aren't live feeds into the database, they will be updated on a first regular basis but not daily. And the police will know the database isn't an Istanbul update.

OP I wouldn't worry too much. Take your ins docs as evidence so they can see the dates. And as others have said the police are reactive only on Xmas day so you probably won't even see a cop - or at least that's what my ex who was a copper said happens in the Hampshire force.
#35
paul1005
Even if the database isn't updated instantly why does this matter? The police APNR cameras aren't live feeds into the database, they will be updated on a first regular basis but not daily. And the police will know the database isn't an Istanbul update.

OP I wouldn't worry too much. Take your ins docs as evidence so they can see the dates. And as others have said the police are reactive only on Xmas day so you probably won't even see a cop - or at least that's what my ex who was a copper said happens in the Hampshire force.



Of course it matters, if you buy a car and try to drive it home, you need to tax it first. You cannot tax a car without the car showing up on the MIB database, so it is essential that it is updated immediately.

Oh and the police do have direct access to the MIB Database.
#36
OP you can try this
#37
ktm666
Comment
GAVINLEWISHUKD
I suppose if you are really worried you could pop to your local police station tomorrow. Ask the to do a check with the insurance (if not in MID) and ask them to put a marker on PNC.

This is the best advice.

Your right to be concerned. If your not on the database, if you are pulled over, as far as the poilce are concerned, you are not insured. Easy.
Showing them a policy document or bank payment won't do any harm, but it won't help. This is because for years, people would take out a policy wait until they get a certificate then cancel the policy.
If the police who pull you can't trace a valid policy, your car will be impounded. The days of producers for non insurance have long gone.
There should be someone somewhere at your insurance company contactable on Xmas day - as far as I'm aware, they don't fully close down.
If you are truly worried, pop into your local police station.
Otherwise, carry a copy of your policy and a contact number for your insurance company and explain to the police if you are stopped.

Wrong.
Your policy documentation is proof that you are insured.
Any doubt on the side of the law, you can proove you are insured by allowing the police to contact the insurers directly to back up the paperwork. Its not the OPs fault that the database hasnt been updated nor does she have any control over it. I doubt she will even be informed when the details do get entered.

OP: If you were to get pulled over, calmly hand them the documentation (that is what they use cover notes for anyway) You have all the proof you need to show you are insured. Remember it is a legal requirement to have insurance, and your documentation will state that you have cover from XX date to YY date.
It is NOT a legal requirement for the OP to have to check to see if they have filed the details on the database - that is the Police/DVLA/Insurers responsibility. (it is however a legal requirement to make sure the details are correct)

Unfortunately your car may still display as uninsured so you may get pulled, but like i say you have all the evidence to prove you are insured so you;'re doing nothing wrong. I got stopped a couple of days after i bought a car because my details wernt on the database, but i showed them my insurance docs and drivers licence and they said "no problem."
#38
The point is; If the OP's insurance was logged on to the MIB Database immediately, as it should be, they would not get pulled over in the first place.

It is Swinton that is at fault here, they need to get their act together.
#39
Inactive
The point is; If the OP's insurance was logged on to the MIB Database immediately, as it should be, they would not get pulled over in the first place.

It is Swinton that is at fault here, they need to get their act together.

Well Swinton should chase it up but it's not their fault. It will be the insurance is with as they are only the broker.
#40
GAVINLEWISHUKD
Inactive
The point is; If the OP's insurance was logged on to the MIB Database immediately, as it should be, they would not get pulled over in the first place.

It is Swinton that is at fault here, they need to get their act together.


Well Swinton should chase it up but it's not their fault. It will be the insurance is with as they are only the broker.



Fair point, however, they took the money from the OP, so they do have a duty to ensure that it is processed correctly.

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