Motor Insurance Database (MID)

INFORMATION ON THE MOTOR INSURERS’ DATABASE (MID)
THIS AFFECTS YOU

INTRODUCTION
RESPONSIBILITIES
WHICH VEHICLES DO I HAVE TO NOTIFY?
SPECIAL NOTE
HOW DO I NOTIFY VEHICLES INITIALLY?
WHAT IS THE DEADLINE FOR INITIAL NOTIFICATIONS?
IN THE FUTURE, HOW DO I NOTIFY ADDITIONS & DELETIONS?
QUESTIONS YOU MAY HAVE ON MID
WHAT DO I DO NOW?


Click here to download & print an Initial MID Notification form

 

INTRODUCTION

• The 4th Motor Insurance EU Directive came into effect on 20th JANUARY 2003. Each EU member country has to establish a centralised method of identifying who insures a vehicle from its registration number.
• In the UK, this data is being collected via the insurance industry onto the Motor Insurance Database (MID).
• To comply with the Directive, motor trade policyholders are required to provide the MID with details of vehicles bought and sold or owned by the motor trader that will be driven, used or parked on a road or public place (see conditions below).
• We are proposing to assist you in the notification of this information to the MID.
• You should be aware, however, that it is YOUR responsibility to submit the required information to MID. We will forward it to the MID on your behalf. (There are penalties for failure to notify).

RESPONSIBILITIES

• It is YOUR responsibility to notify a vehicle to the database.
• Road Runner will endeavour to transmit information from its customers regarding vehicle changes to the MID/Insurer upon the day of receipt.
• There are, however, occasions when this may not be possible and Road Runner assumes no responsibility for either the timely transmission of information or the accuracy of that information.

WHICH VEHICLES DO I HAVE TO NOTIFY?

Taxed Vehicles:

• All taxed vehicles used on the road must be notified.
• The only exception to this is where a vehicle is not held for more than 14 days.
• As soon as it becomes likely that the vehicle will be kept for more than 14 days, it must be notified
• The 14-day period starts from the day upon which the vehicle comes into the custody or control of the motor trader.
• Where there is no intention of putting a taxed vehicle on the road or on a public place then there is no need to notify the vehicle. If there is any possibility of the vehicle being put on the road or a public place then the vehicle must be notified within 14 days of coming into the motor trader’s custody or control.
• If in doubt, we recommend vehicle notification.

Untaxed Vehicles:

• It is illegal to use or leave a vehicle on the public highway without a current vehicle excise licence unless that vehicle is being used with the benefit of trade plates.
• As untaxed vehicles should therefore not be used on the road then there is no need to notify such vehicles to the MID.

Trade Plates:

• All trade plates must be notified.

SPECIAL NOTE:

This is our best understanding of the legislation and its effect on our policyholders.

You can notify the MID, via us, in the following ways:

FAX: You can complete the MID Notification form & FAX it to: 08707 87 87 50

POST: You can complete the MID Notification form & POST it to:
MID Notifications, 725 Brighton Road, Purley, Surrey CR8 2PG

WEBSITE: click here to open the MID Notification form

QUESTIONS YOU MAY HAVE ON MID:

What is this 4th Directive anyway?
The Directive is aimed at improving the settlement of cross-border motor claims amongst EU citizens. More information on the Directive can be seen at www.miic.org.uk.

Will I have to notify every single vehicle that passes through my hands?
No. Vehicles that are in the motor trader’s custody or control for less than 14 days do not have to be notified. Please note, however, that the 14-day period starts from the day upon which the vehicle comes into the motor trader’s custody or control.

What about stock vehicles that are never driven on the road or kept in a public place?
If a vehicle is never driven on the road or kept in a public place then it does not need to be notified.

When did the MID come into force?
20th January 2003.

Is this Directive law?
The official legislation is still going through Parliament, however, the Government has confirmed that there will be a legal obligation on policyholders to supply data within a specified period with penalties (as yet undefined) for failure to notify.

WHAT DO I DO NOW?

• Decide how you should make future notifications to MID/Insurers, more information is available at www.miic.org.uk.