Is my automobile insured? Verify your automobile insurance coverage expiry date

Except you could have already made a statutory off-road notification (SORN), it’s your accountability to ensure your automobile has the appropriate insurance coverage cowl. Consequently, it’s essential to seek out out when your coverage expires.

If you’re not sure when your automobile insurance coverage will run out, most insurers supply cowl for a yr. Due to this fact, should you can bear in mind when your coverage began, this can be a good measure to make use of for checking your automobile insurance coverage expiry date.

For insurance policies that cowl you for 10 months and over, insurers should ship you a reminder for renewal earlier than your insurance coverage expires. Many insurers ship you letters or emails to remind you to resume your cowl forward of its expiration relying on which kind of communication you could have chosen. Consequently, it’s essential to maintain an eye fixed out for this.

If you’re involved it’s possible you’ll miss your renewal, so it’s essential to control when your automobile insurance coverage is because of expire. There are a number of methods to seek out out when it’s going to achieve this. 

On this article, we handle how you can carry out an insurance coverage test and study when your automobile insurance coverage coverage will expire. We additionally present particulars on what to do within the occasion that it already has.

Is my automobile insured?

As beforehand acknowledged, it’s possible you’ll obtain letters or emails reminding you of your renewal. You probably have not, there are a number of different methods to seek out out when your coverage will expire.

The primary port of name when checking your insurance coverage standing is studying your coverage papers. Nonetheless, when you’ve got misplaced these, it’s also possible to test your emails. Even should you can’t bear in mind which insurer you took out cowl with, you may typically simply discover the knowledge by typing related phrases into the search bar. If you recognize who your insurer is, you may give them a name to seek out out the main points of your coverage. 

Another choice is to undergo your financial institution or credit score statements and take a look at outgoing funds – when you’ve got arrange a standing order, you will have knowledgeable your financial institution of the ultimate cost.

If these strategies show unsuccessful, you may go to askMID, a web-based insurance coverage database checker. The positioning makes use of a nationwide register to test automobile insurance coverage by quantity plate.  The search itself is free, nonetheless, you’ll need to pay a payment for added data, such because the insurer’s particulars and coverage data. 

In case your particulars aren’t on the Motor Insurance coverage Database, you can be prone to dealing with a wonderful or court docket prosecution.

My insurance coverage has expired, what ought to I do?

In case your automobile insurance coverage has already expired, there are a selection of issues you need to do to keep away from a penalty and defend the security of your self and others.

1. Don’t drive your car when it’s not insured, as it’s unlawful to drive with out insurance coverage. You will want at the very least third celebration insurance coverage on a street or in a public place. If you’re in an accident, you can be accountable for paying any compensation that you just owe for damages or damage with out an up-to-date coverage.
2. Communicate to your insurance coverage agent as quickly as attainable. They need to be capable of advise you on the perfect motion to take, whether or not that’s updating your coverage or getting a brand new one. They might additionally have the option that can assist you keep away from paying penalties for driving with out insurance coverage.
3. Buy the coverage and make sure you get the duvet as quickly as you may. It’s unlawful on your automobile to not be insured (even should you’re not driving it) except you could have made a Statutory Off Highway Notification (SORN).
4. Maintain maintain of any documentation. Upon getting your new coverage in place, be certain to not lose any data that might assist you to when renewing sooner or later.
5. Make a remark in your diary, calendar or cell and have a reminder set for when you’ll need to resume your coverage subsequent yr.

What can I do if my automobile insurance coverage has been declined?

You might end up being declined for insurance coverage for a lot of causes, comparable to a failed direct debit cost, or including incorrect private particulars in your coverage. There are an entire host of differing causes as to why you will have been declined.  

On-line and automatic programs typically discriminate towards drivers who’ve confronted points previously, assuming that any issues have been to do with fraud or legal exercise, wrongly making you a better threat. Many insurers will both not give you insurance coverage, or will cost you an extortionate quantity on your premium.

While most insurers deal with cancelled automobile insurance coverage as an indication of foul play by you, at Adrian Flux we realise that more often than not it isn’t prospects fault if their insurance coverage is voided. 

Do I want automobile insurance coverage if I don’t plan on utilizing my automobile?

Even when you don’t plan on utilizing your automobile, it’s going to nonetheless have to be insured in case you are retaining it on a public street. As talked about above, should you plan on retaining your automobile, however are taking it off the street, then you’ll need to declare the car as SORN. 

Even while you SORN your automobile, you would possibly nonetheless need to take out laid-up insurance coverage, in any other case generally known as SORN insurance coverage. This protects your automobile from harm, hearth and theft whereas it’s not in use.

In case you select to SORN your car, you won’t be able to drive it or transfer it onto a public street with out insuring it first. 

What occurs if I drive my automobile with out automobile insurance coverage?

In case your automobile is uninsured, you won’t be able to drive your car on public roads or park it on the road. If you wish to do that, you’ll need to take out automobile insurance coverage. The minimal authorized requirement for that is third celebration insurance coverage, which offers cowl for harm to different autos, folks and property.

Driving with out insurance coverage is a severe motoring offence and will see between six and eight penalty factors added to your driving licence and a hard and fast wonderful of £300. Learn our information to seek out out extra details about what occurs should you drive with out insurance coverage.

How can I get cheaper automobile insurance coverage? 

As a specialist insurance coverage supplier, we work laborious to supply cowl when different corporations can not. Get in contact to discover a automobile insurance coverage coverage that works for you. Name us on 0800 081 0777 for a quote or e-book a callback at a time that fits you.