When you buy car insurance, a record is added to the Motor Insurance Database (MID).
You can use the MID to check if your car is insured. Go to the MID website and type in your car’s registration number to search the MID’s database. It will tell you whether or not your car is insured.
The police use it to check your car insurance too.
It can take a while for your policy to show up in the search. But don’t worry. If this happens, your policy is still valid.
Your insurance is still legal, even if it doesn’t show up on the MID
The problem crops up because the MID isn’t updated very often. Nor is the police’s Automatic Number Plate Recognition (ANPR) database. Sometimes new policies are only added once per week (and unfortunately there’s nothing we can do to speed it up).
If you’re buying short-term car insurance, there’s a chance your policy won’t be added to the MID in time.
Because of this, we send your policy details to the MID as quick as we can. But the MID can be slow to update, whoever you buy your insurance with.
Some of our customers have been pulled over by the police because of this.
What to do if you’re pulled over
If you’re pulled over, and your insurance isn’t listed on the MID, don’t panic. It is not a legal requirement to show up on the MID. From the moment you buy your Cuvva policy, your insurance is valid. Your policy documents are your proof of cover – so just show them to the police officer.
You can find your policy documents in the app. Tap on the “Profile” button in the top left and then tap on your vehicle. You’ll see a list of all the policies you’ve bought.
You’ll also get an email copy of your policy documents as soon as you buy it.
If you have any questions, chat to us in the app. We’re available 24/7.