View Full Version : Insurance database errors?
Biker Biggles
31-01-14, 06:54 PM
We have just had a nasty letter from the motor insurance database MID saying our SV is uninsured and we may be liable to prosecution.I have checked the policy and we renewed it last October and the money came out of the bank at that time.We have a certificate.Its a longstanding policy with ebike so I tried to contact them but I cant afford the premium rate phone call so sent an email via their standard menu system.There is no option on the menu for WTF has happened to the database.We await a response.Anyone else had issues with this database being wrong?
I'm with Ebike and all is well with my policy. Are you sure the letter is genuine and spoken to the MID? (http://www.askmid.com/)
Littlepeahead
31-01-14, 07:03 PM
Could a nice policeman on here check the police computer thingy, that would say wouldn't it?
Biker Biggles
31-01-14, 07:03 PM
Interesting.I just checked and it is showing up as insured.I wonder if ebike have updated it today or there is something odd going on.
I don't see why MID would contact you directly. VOSA/DVLA yes to say your bike is taxed/MOT'd but not insured but not MID.
chirpy999
31-01-14, 07:06 PM
Yes Biggles, I have and its one huge load of bolloc@s. I got home to a letter that said one of my bikes was not insured. I then wasted about an hour ringing them and my insurer. I knew I had renewed my insuraance so what triggers the letters? It took a number of days before my bike showed up as covered on the MID website.
Who are Mid ? Is it the government or something set up by insurance companies ?
It made my blood boil they seem to be some big brother type organisation who asnswer to nobody.Id love to know how I got a letter . I wonder if its something to do with ANPR cameras.
Anyone else got any knowledge?
MID is the Motor Insurance Database-it is who the Police & DVLA use to check if a vehicle is insured. They can only respond to the information they are given by the insurance companies.
Biker Biggles
31-01-14, 07:12 PM
Ive certainly spent a couple of hours chasing my &rse over this .It seems all is ok but what a lob.
Dodgy internet does'nt help.
Could a nice policeman on here check the police computer thingy, that would say wouldn't it?
Afraid not. Its a job looser and people have gone inside for it.
My car is also not on the MID found out the other day. I spoke with the insurance company. They claim that it come off the MID 30 days before the end of the term. Anyhow I confirmed its a live policy so its all good.
While it won't stop you getting stopped at least you know your insured.
Red Herring
31-01-14, 10:06 PM
Afraid not. Its a job looser and people have gone inside for it.
What he said, besides as someone else has also said you can check yourself on AskMID.com. The most common reason for an insured vehicle not being on the MID is a typo by the person inputting the data. If your vehicle isn't on there (ie: your check comes back red) then ring/email your insurance provider and tell them to resend the data.
To be honest it's a load of old crap. One of my old Bandits ran out of insurance in February and was still showing 90 days later as insured. I know it wasn't as it was off the road until July called CIA and told me they will have to send the information to MID as they only do it every 90 days!!!!!
Mrs DJ Fridge
01-02-14, 10:58 PM
Imagine how the world would be if Big Brother could really connect all the dots
As a claims handler, I access the MID daily. We update the MID weekly with details of the vehicles we insure. A reg. only comes off the database when the insurer does their update. There are two main reasons why an insured vehicle isn't on there; it's either on a fleet policy where individual reg numbers are not recorded (not usual for bikes) or the insurer has cocked up their update.
timwilky
03-02-14, 07:23 AM
I had a typeo of two numbers being transposed, only found out when I couldn't tax the bike on line and took the paperwork to the post office. The guy behind the counter pointed out the mistake but could see it was an error and handed over the disc, telling me best get if fixed before the boys in blue notice.
A quick on line change with ebike and all was well.
Red ones
03-02-14, 07:26 AM
I had one of these letters.
I'm sure it just says the MID have no current record of the vehicle and advises you speak to insurers otherwise it's possible the cops will pull you.
Biker Biggles
03-02-14, 10:05 PM
I had one of these letters.
I'm sure it just says the MID have no current record of the vehicle and advises you speak to insurers otherwise it's possible the cops will pull you.
The letter says you WILL get a fine if your vehicle does not appear on the MID.Its a bit vague about whether you will have to pay that fine if it turns out you had insurance all along.The way these fixed penalties are dolled out these days it wouldnt surprise me if you are considered guilty anyway.
Spanner Man
04-02-14, 08:18 AM
Good morning all.
I guess you must have been unlucky to have received a letter from the MID.
A few years ago my Insurance broker had a blonde moment, & forgot to enter my details on the MID. It was only some 6 months after renewal that it showed up when I went to tax my bike & my van. I don't use my bike much, but my van had been used almost daily, & all over the place at that. I never heard a thing from any official body, or got stopped by the Police.
Cheers.
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