When's the car insurance renewal?

Brie

I'm sure there's an easy answer to this but I'm having a bit of brain fog today.

My car's MOT and insurance is due at the end of Feb as is the tax.  All very easy.

My OH's car's MOT is in Sept, no idea when the tax is due (but know we'll get something in the post) but I have this very very vague idea that the insurance is up soon.  Maybe end Feb like mine.  Or sooner.  Or July.  I don't know where he's put any paperwork and I can't ask or check his emails as he's in hospital.

Is there an online thingme that would let me know using the reg number??

DE_612183

You can check the car tax online but not insurance - you can ringthe company - they should send you a renewal letter 3-4 weeks beforehand.

Mildly_Miffed

Check the tax and MOT expiry at https://vehicleenquiry.service.gov.uk/

But, no, there's no easy way to check who the insurance is with, let alone when it expires. You can check it is insured at https://ownvehicle.askmid.com/
Best bet is to trawl back through bank statements and see if there's any clues there, if it's a joint account - but they will send you through renewal paperwork in the weeks leading up to expiry.

Brie

Thanks both.  I thought it was going to be a bit more complicated than I wanted!   Will see what emails I might have as I have no idea what company it is at this point so don't know who to call.  And will check the credit card as that's how it's always paid.

TooManyPoints

You can make a Subject Access Request to the MIB here:

 https://www.mib.org.uk/managing-insurance-data/requesting-your-data

carly

I found this on compare the market,  I dont know if it works....                                                                                                

Does my car have insurance?

It may seem like a silly question but it is not. With insurance providers auto-renewing insurance and multi-car insurance meaning you might be covered under somebody else’s policy, it’s easy to not know who you’re provider is or if you’re insured at all. And as we know, not being insured is a big issue.

Finding out if you’re insured is easy. Search your number plate on the Motor Insurer’s Database (MID). It will tell you whether you’re insured and the make and model of your car — this part is free. If you would like to find out the name of the insurer and further policy details, it’ll cost you £4.

You could input your husband's car details to see when the insurance runs out perhaps

BoGoF

carly said:

I found this on compare the market,  I dont know if it works....                                                                                                

Does my car have insurance?

It may seem like a silly question but it is not. With insurance providers auto-renewing insurance and multi-car insurance meaning you might be covered under somebody else’s policy, it’s easy to not know who you’re provider is or if you’re insured at all. And as we know, not being insured is a big issue.

Finding out if you’re insured is easy. Search your number plate on the Motor Insurer’s Database (MID). It will tell you whether you’re insured and the make and model of your car — this part is free. If you would like to find out the name of the insurer and further policy details, it’ll cost you £4.

You could input your husband's car details to see when the insurance runs out perhaps

It doesn't tell you when it runs out on the 'free' part

prettyandfluffy

Brie said:

My OH's car's MOT is in Sept, no idea when the tax is due (but know we'll get something in the post)

Be careful of this, there are several threads where people haven't had notice through the post.  Much safer to check it online and set up a direct debit, then it's taken care of.

400ixl

Sorry to hear OH is in hospital, but can they not be asked where they may have stored the info, or for access to email as most is online now, you would just need the credentials.

Most insurers will also write via snail mail 14 or so days before an insurance renewal is due.

mgfvvc

A while back, I set up a shared spreadsheet in Google Docs, with all savings and pensions accounts, insurance details, etc. My wife naturally has access and can use it to find necessary details if I am incapacitated.

Obviously this doesn't help you now, but may be a good idea for next time, if there is a next time, and for any other readers.

I'm not sure my wife will actually remember it's there, but I hope so.
I must add a reminder to update it, a week or two after our regular renewals.

Mildly_Miffed

One thought that might help...

You know when the tax is due (or, rather, you can easily find it)
It's quite likely that the insurance was a fresh policy at the time of buying the car, so will either align with the tax or be six months out.

It's not foolproof - the policy might have been changed over from a previous car - but the last few times I've changed car, the existing insurer hasn't been competitive for the new one, so it's been cheaper to cancel and take out a new policy.

But it's a good place to start looking...