Car Insurance Database (MID)

oldagetraveller1

Mine expired on the 28th, renewed, different insurer, on the 29th.

As of today, 31st, shows as insured on MID.

I always carry a Certificate of Insurance copy in my glovebox though.

ontheroad1970

DullGreyGuy said:

MID require insurers to update it within 7 working days of the effective date. Insurers are targeted with an SLA to achieve this target and face sanctions if they persistently miss the SLA (inevitably some will always be "late" when you are back dating cancellations etc). The ultimate sanction is blocking access to MID which effectively excludes them from writing Motor insurance in the UK. 

In some cases insurers delegated responsibility to the broker so in the OP's case Budget, rebranded as RAC, are taking on the responsibility from the insurer. 

In most cases updates are done overnight on a batch job so will be showing the next day or at worst case, the following. 

Why in this day and age is not instantaneous as a matter of course?  Errors are one thing but this isn't errors, this is pure laziness, that can potentially cost people money.

DullGreyGuy

ontheroad1970 said:

DullGreyGuy said:

MID require insurers to update it within 7 working days of the effective date. Insurers are targeted with an SLA to achieve this target and face sanctions if they persistently miss the SLA (inevitably some will always be "late" when you are back dating cancellations etc). The ultimate sanction is blocking access to MID which effectively excludes them from writing Motor insurance in the UK. 

In some cases insurers delegated responsibility to the broker so in the OP's case Budget, rebranded as RAC, are taking on the responsibility from the insurer. 

In most cases updates are done overnight on a batch job so will be showing the next day or at worst case, the following. 

Why in this day and age is not instantaneous as a matter of course?  Errors are one thing but this isn't errors, this is pure laziness, that can potentially cost people money.

Many insurers core systems are from the 90s or earlier and are Frankenstein systems with with various bits bolted on to try and interact with more modern technologies like APIs. 

As with all companies there is finite IT budget and when Product Owners write their business case to either invest in a new app that will make the claims process smoother or one to do more frequent MID updates inevitably one promises a better return on investment than the other. 

 Is anyone really going to choose to pay 10% more premium to select an insurer that promises realtime updates to MID?

I've only once done a project in relation to MID and it was mainly business process change to stop the call centre advising people to return their certificate of insurance which we'd then backdate the cancellation to the date of the phone call. Inevitably that resulted in most cancellations being outside of the 7 day window of the effective date.