How to find out who my car insurance is with - Best Money Saver

21st November 2018by Joanna White

When it comes to your car insurance, it’s important to know every detail about your provider, policy and what you’re covered for.

Car insurance isn’t a transferrable thing so when you purchase a new car, then it won’t actually be insured. It will be your responsibility to set up a new car insurance policy.

If you’re unsure of exactly which insurance provider your car insurance is with, then there are a number of different ways to find out.

Take a look at the comprehensive guide below to find out who your car insurance is with.

Check your emails

Almost everything you purchase online will give you an email confirmation and often an email receipt so one of the best ways to check who your car insurance with (especially if you bought it online) is to have a look through your emails.

It may take you a while to sift through your email, especially if you can’t remember exactly when you bought your insurance policy, but you can always use keywords to search your email inbox search feature.

Don’t forget to check your spam or junk folder as well as some emails can accidentally get sorted into there without you realising.

Take a look at your bank statement

Your bank account is another great place to look if you need to find out who your car insurance is with.

If you pay monthly for your car insurance policy then you should be able to see the amount you pay, as well as the insurance provider themselves, on your monthly statement.

However, if you pay for your policy on an annual basis then it may prove slightly trickier to trace back through your bank statements, so you may just have to persevere and route back through your accounts.

By checking your bank statement, you can also check exactly how much you’re paying for your car insurance policy as well as if you’re being charged any unnecessary fees by mistake.

Visit the Motor Insurance Database (MID)

One of the best and easiest ways to check who your car insurance is with is to use the Motor Insurer’s Database. The MID is the national register whereby all the car that are insure in the UK are listed.

It’s remarkably easy to use; simply enter your car registration plate and declare that you are the owner or registered keeper of the car and if your car is insured then all the necessary details will show up.

While this is a great and effective way to check who your car is insured with, there is actually a small fee of £4 in order to retrieve your details of your policy and exactly who you’re insured with.

Check any comparison websites that you used

While the comparison website probably won’t be able to see exactly who you bought your policy with, it will help you narrow down your search and may even jog your memory once you see all the options available to you.

It may help to reduce down the number of providers that you could have chosen, which will also help you to search your email inbox more efficiently.

What you need to know

When it comes to finding out who your car is insured with, there are a few things you need to know.

  • You can face a fine of £300 if you are without insurance for your car
  • You can also receive 6 penalty points
  • You still usually require insurance even if your car isn’t in use and is just sat on your drive at home
  • Don’t travel if your car is not insured – it is a legal requirement to have car insurance
  • Two providers who offer comprehensive car insurance are M&S Car Insurance and Admiral Car Insurance.
  • You will require a Statutory Off-Road Notification (SORN) in order to declare your car as legally off the road
  • Use the MID to search for someone else’s insurance details if you’ve been involved in an accident and need to know their car insurance details
  • Search around for the best car insurance deals that will ensure you’re fully covered but won’t cost you a small fortune

Car insurance is an incredibly important thing to have and without it, you could see yourself facing some pretty hefty fines.

If you can’t remember who your car insurance is with then there are a number of steps to take in order to retrieve your details. You can search through your email inbox, bank statements or simply use the Motor Insurer’s Database to find out the necessary details.