Who are you insured with? It’s surprisingly easy to forget. But don’t worry. If you can’t remember your insurance company, there are many ways to find out.
I Can’t Remember My Insurance Company – Tips for Finding Out
If you can’t remember your insurance company, there are a few things you can try:
- Check your emails. Most insurers send confirmation and essential policy details by email. Just search your email inbox for things like “insurance”, “car insurance”, “van insurance”, “policy” and “premium”, and you should find an email from your insurer before long. You could also try searching for your vehicle registration number, as this may be quoted in any email you receive from your insurer.
- Check your paperwork. Your insurer may have given you hard copies of your policy details, along with some additional literature. So where do you keep all of your important paperwork? Check through your files, as these aren’t the sort of documents you’d just throw away!
- Call your bank. How do you pay for your insurance? You’ll likely have a standing order or direct debit arrangement set up with your bank. So call them and ask them to confirm who you’re insured with. You could also check your bank statements.
- Check the Motor Insurance Database. Enter your vehicle registration into the Motor Insurance Database (MID) and it’ll let you know whether your car has a valid insurance policy. Head here to get started.
Do I Need Car Insurance?
It’s illegal to drive without car insurance. But there are certain situations where you don’t need to get insurance.
Have you forgotten your car insurance details because you haven’t driven your car in ages? If you’re not driving your car, and if you have no current plans to drive it in the future, then you may not need car insurance. In this situation you can apply for a Statutory Off Road Notification and register your car as being off-road. This will also exempt you from paying tax on your vehicle. However, you can then not use or even park your car on a public road.
Head here to get started. But bear in mind that, if you want to start driving your car again, you’ll first have to sort out car insurance and tax once more.
Fines and Penalties for Driving Without Car Insurance
You cannot drive without car insurance. If you’re caught driving without car insurance, you could get:
- Up to six points on your driving licence
- A fine of at least £300
- Your car seized, or even destroyed
If you’re caught driving without insurance, you could even get sent to court. And courts can issue unlimited fines. They can also disqualify you from driving.
Head here to read our full guide to the fines and penalties for driving without insurance.
Need Car Insurance?
We specialise in giving drivers like you the cover you need at a price you can afford.
Our car and van insurance policies include personal accident cover, windscreen cover and an uninsured driver promise as standard. And if you’re involved in an accident, we’ll also give you a free courtesy car, so you can still get around while you get everything sorted.
