When does my car insurance run out? - Best Money Saver

24th January 2019by Joanna White

When it comes to car insurance, all cars must have at least the most basic form of cover (third-party only as a minimum) in order to qualify as being road-legal.

Even if your car isn’t currently in use and is just parked on your driveway, it must either be insured with the most basic cover, or it must be declared as officially off-road – SORN (Statutory Off-road Notification).

If you’re not entirely sure when your car insurance policy runs out, then you must make sure you take the necessary steps to find out as soon as possible. This guide will tell you everything you need to know about checking when your car insurance runs out.

What you need to know - when does my car insurance run out?

Car insurance is the first (and most important) thing to consider when you buy a new car. Without it, you cannot tax your car, and you won’t be legal to drive or even park on public roads in the UK.

If you’re unsure whether your car is properly insured or not, there are a few measures you can take to check. Furthermore, if you do have an appropriate car insurance policy, but are unsure when it might run out, then make sure to follow the steps below in order to check when your policy will no longer be valid.

How to check if your car is insured/when it runs out

If you’ve previously purchased an insurance policy in the past, but you’re not sure if you’re still covered under that policy, then it’s important to renew your policy as soon as possible. Failure to do so means that you are driving or parking your car on the road illegally, and you could find yourself facing fines and penalties as a result.

The list below shows you the ways you can check when your car insurance runs out, and when you will have to either purchase a new policy, or just renew your current one.

Make use of the Motor Insurer’s Database

The MID is a website that allows you to check whether your car is insured. You simply need to enter your car’s resignation number and declare your status with regards to the car – are you the registered owner or keeper of the car?

The police also use the Motor Insurer’s Database to run checks on whether a car has a valid insurance policy, so it’s the only centralised database of car insurance policy information that will provide you with accurate results. The MID is also free to use so you can find out when your car insurance ends quickly and for free.

If your car is shown to be insured by the MID, then you have nothing to worry about and are free to drive your car as normal.

However, if your current policy has run out, or is coming to an end then you should look at renewing it or finding an alternative as soon as possible.

Check your previous bank statements

Another way that you can check when your car insurance runs out is simply by checking your previous bank statements. This will show you the date of when you first took out your car insurance policy, which you can then use to determine the date that it will run out.

Browse through your emails

Chances are, when you first took out your car insurance policy, you will have been sent confirmation details and documents enclosing the relevant information of your policy.

By searching back through your emails over the last year, you should be able to find out the date that your policy started; so that you can determine when it is due to run out.

Even if you receive hundreds of emails, you can help to narrow the results down by searching for terms such as the name of your insurance provider (if you know it) as well as simple terms like “insurance details” or “car insurance policy”.

Conclusion - when does my car insurance run out?

If you didn’t keep track of when your car insurance policy started and ended, then there’s still no need to panic. There are several ways in which you can check when your car insurance runs out.

You can use the Motor Insurer’s Database and enter the relevant details in order to find out when your policy runs out, or you could even check back through your emails and bank statements as these will include the start dates of your policy (which you can then use to determine when it will run out).