If you have passed your driving test, but have not yet received your full licence, you can purchase your insurance as a full licence holder.
If the vehicle you want to insure is registered in a leased company name or your spouse/civil partner/common law partner or parent’s name then you can still insure it with you as the policyholder. If you are declaring yourself as the policyholder then you must be the main driver of the vehicle.
You should state during the quotation stage that you are not the registered owner of the vehicle. You should also check your documents carefully when you receive them to ensure you are happy with all the information we hold.
If this or any information is not declared correctly it will affect your right to make a claim on the policy.
The Department for Transport have introduced Continuous Insurance Enforcement (CIE). This new scheme will compare vehicles on the Motor Insurance Database MID with DVLA/DVANI records to identify potentially uninsured vehicles. From 2011, if there is no record on the MID showing your vehicle is insured, and you have not declared it as ‘off road’, you will receive a letter warning you that you could face a fine, prosecution, and the vehicle could also be clamped, seized and ultimately, destroyed.
This new approach is being introduced to protect honest motorists and do even more to prevent people from driving without insurance.
What do I need to do?
The good news is, if you are insured with Quinn-direct, there is no need to worry. Quinn-direct currently upload your policy details to the MID, however, it would be good to get into the habit of checking that your vehicle details are correct on the MID. This will avoid the inconvenience of you being unnecessarily contacted or worse, stopped by the police. So if you check www.askMID.com and your vehicle details are not correct, then you should contact us on 0333 300 0888 to get the MID updated correctly.
Remember we're here to help. If you have any other questions, just ask. You can contact us on 0333 300 0888 or e-mail us at firstname.lastname@example.org.
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