askMID

askMID is an online service that provides access to the Motor Insurance Database (MID) in the UK.This database holds crucial information about all vehicles registered in the UK,specifically whether they have current and valid insurance coverage.

Feature	Description
Purpose	Checks if a vehicle is currently insured in the UK.
Database Used	Accesses the Motor Insurance Database (MID) maintained by the Motor Insurers' Bureau (MIB).
How to Use	Access the askMID website. Enter the vehicle's registration number (number plate). Receive an immediate result (insured or not insured).
Users	Vehicle Owners (to verify their own insurance) Anyone (e.g., after an accident, when buying a used car)
Key Features	Free for checking your own vehicle's insurance. Small fee for checking other vehicles. Provides real-time information.
Legal Implications	Driving without insurance is illegal in the UK. Penalties include fines, points, disqualification, and potential court action.
Importance	Enhances road safety. Ensures fair compensation in accidents. Assists law enforcement.

How it Works:

• Simple Interface: Users access the askMID service through their official website.
• Enter Vehicle Details: The key piece of information required is the vehicle's registration number (also known as the number plate or VRM).
• Instant Results: The system then queries the MID and instantly provides a result indicating whether the vehicle is currently insured.

Who Uses askMID?

Vehicle Owners:

• Verification: A primary use case is for vehicle owners to quickly confirm that their own vehicle is correctly insured on the database. This is crucial as driving without valid insurance is illegal and carries severe penalties.
• Peace of Mind: It offers reassurance that their insurance policy is active and their vehicle is legally compliant.

Anyone:

• Accident Investigations: After an accident, individuals can use askMID to check the insurance status of the other vehicle involved. This information is vital for making an insurance claim and pursuing any necessary legal actions.
• Due Diligence: In situations like purchasing a used car, individuals can use askMID to verify the insurance status of the vehicle they are considering.

Key Features and Considerations:

• Free for Self-Checks: Checking your own vehicle's insurance status on askMID is typically free of charge.
• Fees for Other Vehicles: There is usually a small fee for checking the insurance status of a vehicle that doesn't belong to you.
• Real-time Information: The MID is regularly updated, ensuring that the information provided by askMID is accurate and up-to-date.
• Legal Requirement: All vehicles registered in the UK must be insured by law unless they are declared "off-road" (SORN) with the DVLA.
• Penalties for Uninsured Driving: Driving without valid insurance is a serious offense with significant consequences:
  • Fines: Fixed penalty fines can be issued.
  • Penalty Points: Points will be added to your driving license.
  • Disqualification: In severe cases, you may be disqualified from driving.
  • Court Action: You may face court action and potentially larger fines.

Importance of askMID:

askMID plays a crucial role in:

• Road Safety: By ensuring that vehicles on the road are properly insured, it contributes to a safer driving environment for all.
• Fairness: It helps to ensure that drivers who are involved in accidents with uninsured motorists have recourse for compensation.
• Law Enforcement: It assists law enforcement agencies in identifying uninsured vehicles and taking appropriate action.

askMID Log in

Logging in to askMID is only required for Key Account Users (KAUs) and registered users.

What KAUs and Registered Users Can Do:

• KAUs: Can create and manage user accounts within their organization for askMID access.
• Registered Users: Can perform a 'MID Enquiry,' such as checking the insurance details of a vehicle involved in an accident. There's a fee of £10 for this service.

askMID Login Steps

For both Key Account Users (KAUs) and registered users, the login steps should involve:

1. Go to the askMID login page: https://www.askmid.com/login.aspx
2. Enter your email address and password.
3. Click the login button.

If a KAU forgets their password, they can click the "forgotten your password?" button and enter their registered email address to reset it.

How to Register for an askMID Account

To register for an askMID account, you generally need to be a qualifying organization. Here's a general outline of the process:

1. Eligibility: Determine if your organization qualifies for askMID registration. This typically includes organizations involved in insurance, claims handling, or other relevant sectors.
2. Visit the askMID Website: Go to the official askMID website at www.askmid.com.
3. Locate the Registration Page: Look for a "Register" or "Create Account" link or button.

4. Complete the Registration Form:
   • Provide accurate information as requested, such as your organization's name, contact details, and any other required information.
   • Create a unique username and password for your account.

5. Agree to Terms and Conditions: Read and accept the terms and conditions of using the askMID service.
6. Submit the Registration: Click the "Submit" or "Register" button to send your application.
7. Account Verification:
   • You may receive an email or other notification regarding account verification or approval.
   • Follow the instructions provided to complete the verification process.

Check Your Vehicle Insurance

You can check if your car is insured by using the Motor Insurance Database (MID), also known as Motor Insurers' Bureau (MIB)"Check Your Vehicle."

Steps to Check Your Vehicle:

1. Visit the official MID website: This is usually found on the Motor Insurers' Bureau (MIB) website.
2. Use the "Check Your Vehicle" service: This service allows you to check if your vehicle has a valid insurance policy recorded on the MID. You'll typically need to enter your vehicle's registration number.
3. Review the results: The service will usually provide a simple "yes" or "no" answer regarding whether your vehicle is currently insured.

Important Notes:

• This service only checks for the existence of insurance: It doesn't provide specific policy details.
• You must have a legitimate reason to check a vehicle's insurance status: This typically includes:
  • Checking your own vehicle's insurance.
  • Checking the insurance status of a vehicle you are permitted to drive.
  • Checking the insurance status of a vehicle involved in an incident you were involved in.

askMID Contact

FAQs

What is askMID?

askMID is the Motor Insurance Database, a central system used to check if a vehicle has the correct insurance.

Why is askMID important?

It helps enforce insurance laws by allowing authorities to quickly check if a vehicle is insured.

How does askMID work?

Insurance companies provide policy information to askMID, which is then accessible to authorities.

Can I use askMID to check my own insurance?

Yes, you can use the "Check Your Vehicle" service on the askMID website to confirm your insurance status.

What happens if my vehicle is not insured on askMID?

Driving without insurance is illegal and can result in fines, penalty points, and even disqualification.