Last Updated on December 24, 2020
What is askMID?
MID is short for the Motor Insurance Database. The website askMID is a free service that allows you check the Motor Insurance status of your vehicle.
askMID is the only central record of all insured vehicles in the UK and is updated over an amazing 10,000 times an hour. The MID is used by both the police and the DVLA to enforce motor insurance law.
askMID is managed by the Motor Insurers Bureau, which was founded in 1946 “to compensate the victims of negligent uninsured and untraced motorists. You can read more about the Motor Insurers Bureau here.
Does Learner Driver Insurance Show on askMID?
Yes, learner driver insurance does show on askMID. Learner driver insurance is no different to full insurance in that respect. The Motor Insurance Database will hold data on the insurance status of all vehicles declared ‘on road’. If you decide to drive as a learner driver in someone else’s car, or indeed your own vehicle, then you are legally obligated to be insured.
While you’re out taking private practice as a learner, what would happen in the event of a collision that was your fault? Your learner driver insurance should cover you in that unfortunate event. Now imagine if you took to the road as a provisional licence holder, had an accident and you weren’t insured. You would be breaking the law as an uninsured driver.
What Happens if You Drive While Uninsured?
If you drive without insurance, the police could give you a fixed penalty of £300 and 6 penalty points.
If the case goes to court you could get:
- An unlimited fine
- Disqualified from driving
- The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.
In the case of Collingwood Learner Insurance, we send the information regarding all new policies to the DVLA on a daily basis, however, we have no control over when they upload it.
We also ask that our policy holders check documents and confirm that we have the correct vehicle registration. Vehicles can take up to 72 hours to show as insured on the Motor Insurance Database. Your Certificate of Insurance is proof of insurance which can be found in your online account or via the Collingwood Insurance app.
Whatever You Do, Don’t Drive Uninsured!
At Collingwood, we offer learner driver insurance cover from just £0.64* per day. That means you can drive your own car, or a friend or family members as you learn to drive.
Want more insights, hints and tips on learner driving? Check out our blog and follow us on our social channels!