The car insurance information contained within these pages is based on information supplied by The Claims Guru, a site packed with useful information about the inner workings of insurance companies and their products.
Third Party Claims - The Motor Insurers Database
The Motor Insurance Database (MID) has been developed by the motor insurance industry to capture the insurance details of every driver in one central database, through unified IT systems.
The new database of insured drivers allows the police to check instantly whether a driver is insured or not.
"The pedestrian had no idea which direction to run. So I ran over him. "
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
The move is an attempt to reduce the high number of uninsured UK drivers who cost the motor industry more than £600m per year.
The police can access the database from the roadside either by calling through to a police station or by using a hand held computer.
Apart from allowing the police to target offenders more effectively, the system is expected to be an aid to insured drivers who are not carrying their documentation.
They will no longer have to report to a police station within seven days.
The new database should act as a deterrent to uninsured drivers are they are likely to be caught more often.
