MID (motor insurance database) issues ?
Turbo Mini Forums

OK, not really Mini related but anyone had any experience of the MID given that it's what the police use with static and mobile ANPR cameras to see if you are insured.....

I finally had enough of my daily Mondeo TDCi after I had to get it back on the back of yet another recovery vehicle two weekend ago only to run all the diagnostic codes and injector leakage test to confirm the cost of new parts was more than it was worth.....

So I bought something else.

I changed the insurance the day before I picked the new one up and could print a new insurance certificate from their website (Admiral multicar) which I did before I drove it but, two days later, MID still says un-insured ...

When I phoned Admiral they re-affirmed I'm insured but say MID take up to 14 days to update their database...........

Considering the police can seize your vehicle if MID says un-insured, that is just unbelievable.

And, no, you can't contact MID to sort it out, you have to deal with your insurer who state in my case that the details were submitted to MID on time....

Anyone else been here ?

Schrödinger's cat - so which one am I ???

Surely when the police are doing the check before seizing it they ring your insurers to double check... ive atleast seen that on them stupid cop programs

Seen it on TV too, but it begs the question whether the cops have a special 24hr phone number for the major insurers because I had to wait until 9am on Saturday to phone them to verify the change had been properly made and it was just the MID that was wrong.

The point is, how many times do I risk getting stopped before the database is updated ?
As of this morning, it still says I'm un-insured...

Schrödinger's cat - so which one am I ???

MID is an "indication", and can take a long time to update

realistically they should be using the PNC system which i belive is tied straight into the insurers databases or at least updated a lot more regularly.

Good point Joe, but the PNC system accesses insurance data from the MIB database. So the question is whether the real MIB database is properly up to date and the public access version (MID) is the slow one.
I found out yesterday that, although MID don't provide a contact phone number or email (they just say contact your insurer), MIB do, so I emailed them. Bank Holiday weekend so I don't suppose I'll hear anything for a while.

Schrödinger's cat - so which one am I ???

if the cars not on the mid and police have no reason to presume your not the new owner etc then you will get a Hort/1 form to produce your documents at an mot station in 7 days or so. I forget the exact figure cause it's been a while since I've been a hooligan (i.e.had the mini on the road). police can size the car if they believe your driving around without insurance but I guess it's at their discretion. for what it's worth when I update the mid on my traders policy(can have up to 20 personal vehicles) it's usually updated within 24hr then I can go tax the car.

turbo 16v k-series 11.9@118.9 :)

Denis O'Brien.

long and short is your ok, if concerned keep your cover note in the car for a few days till the mid is updated.

turbo 16v k-series 11.9@118.9 :)

Denis O'Brien.

Exactly. Don't waste any more of your time worrying about it. It's a none issue with zero risk.

Fastest 998 mini in the world? 13.05 1/4 mile 106mph

www.twin-turbo.co.uk

You are all correct of course, I'm at little risk (apart from being pulled for no reason) as I've downloaded and printed a copy of my new insurance certificate.
It's just a rant that we are encouraged to use these type of databases and, in my case, it is clearly wrong....
But I guess 1,500 junior doctors aren't to happy about the NHS database from what I saw on the news this morning....

Schrödinger's cat - so which one am I ???

Well I bank with the TSB, ask me how much fun its been lately.. a justified rant, with todays tech its not unreasonable to expect things to be updated near enough instantly.

turbo 16v k-series 11.9@118.9 :)

Denis O'Brien.

The tech is generally fine. It’s the people that implement the tech and the testing they complete....

MID is just a database that gets updated periodically and published to the web for ‘consumers’. It is not definitive proof that your car is/isn’t insured.

Schrödinger's cat - so which one am I ???