As a driver, it’s your legal responsibility to ensure your car has valid insurance at all time. Driving without insurance is an offence that can land you in hot water — known in the biz as an IN10.
For your peace of mind and the safety of fellow drivers, it’s worth checking if you’re actually insured to drive your car.
How can I check if my car is insured?
The quickest way to check if your car’s insured is to run its number plate through the Motor Insurer’s Database (MID). The service holds insurance information of all vehicles insured in the UK.
This free search will tell you whether the car is insured and will confirm the make and model. However, if you want to find out the insurer’s name or any other policy details, you’ll have to pay £4.
You can also check your bank or credit card statements for payments to an insurance provider. Then you can try to contact them for more information.
You can also look through all your emails as you may have received confirmation from the insurer. Don’t forget to look through your junk and spam folders!
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What if my car is uninsured?
If you get caught driving uninsured on any public road, you could be fined £300 and have six penalty points. And if your case is taken to court, you could be disqualified from driving, and face an unlimited fine.
This offence is called an IN10, and as a motoring conviction it can hamper your chances of getting cheaper car insurance in the future.
If your car is just parked in your garage gathering dust, you still have to pay for insurance. The Continuous Insurance Enforcement legislation states that all drivers are required by law to have their car insured at all times.
The only way around this is to legally declare your car off the road with the DVLA. You do this with a Statutory Off-Road Notification (SORN).
If you’re uninsured and haven’t made a SORN, you could still face a penalty — even if your car isn’t being used.
Saving money on a new car insurance policy
We monitor car insurance prices so you can see when prices go up and down. If it turns out that you need to buy a new policy, you can do a few things to save money.
Here’s what the price depends on and what you can do about it:
What car you drive – smaller cars tend to be cheaper to insure.
What security you have – better security lowers your premium.
Who owns and drives your car — quotes can be higher if the owner isn’t the same as the registered keeper.
How you use your car — cars that only have social, domestic and pleasure-related uses tend to have lower premiums.
The type of cover you choose – third-party-only cover is a good budget policy but you’ll have to pay to repair your car yourself.
To drive the cost down you can also increase your voluntary excess, as this could lower your premiums.
We help you find the right type of cover, at the best price for you.
Whether you have one car or five, classic car or camper van, even teenagers looking to insure their first set of wheels, we can help. Choose from Multi‑Car, Single Car or our Black Box Insurance, LittleBox. Once you’ve figured out which car insurance policy is right for you and your family, you just need to decide which level of cover you need.
This is the most basic level of cover as required by law. If you’re involved in an accident, we will pay out to the third party involved but you won’t be compensated for damage to your own vehicle.
Third party fire and theft
As well as paying out to a third party if you’re involved in an incident, this level of cover will also protect your car from damage caused by fire or theft. However, it will not pay out if your car’s damaged in another way such as a bump or crash.
This is the most complete insurance you can buy; it includes Third Party, Fire & Theft and will pay out to repair or replace your car if it’s damaged in an accident or suffers malicious damage.
Need more information? Read our ‘which level of cover?’ guide
If you have more than one car, come to us direct as you won’t find Admiral MultiCar on comparison sites.
What do I need to get a car insurance quote?
We cover the whole of the UK and Northern Ireland and it’s quick to get a quote — it only takes five minutes. Here’s the information you’ll need to hand when you get a quote:
1. Car details
Don’t worry if you don’t know your car registration, just enter the make, model and year it was made and we’ll find your car.
2. Driver information
Including names, dates of birth and driving licence details. Any motoring claims or penalty points you or your named drivers have. Claims information for three years and motoring convictions for five.
3. No Claims Bonus
This means a discount for you, so make sure you know how many years No Claims Bonus you have. You should be able to find this on your existing policy documents, if not your previous insurer will tell you.
If you are looking for more advice why not take a look at our related guides.
What affects insurance premiums?
There are loads of articles online telling customers how to get cheaper car insurance, but with every insurance provider rating on different things, what actually affects the amount you pay for insurance?
At Admiral, we look at factors such as your age, driving experience, driving record and the type of car you drive.
Every car in the UK is placed in an insurance group ranging from 1 to 50, 1 being the cheaper end and 50 the highest with the likes of sports cars. But it’s not as simple as a cheap car = cheap insurance, the groups also take into account driving style.