how do you find out who you're insured with?

Simple · World Chat Champion Joined: 08 Feb 2005 Karma :

I know my insurance runs out this month.

According to askmid, i'm still insured. Cool

I can't find my policy or a bank statement to say who I paid.

No one has rung me for a quote and my renewal hasn't come through.

so how do I find out who i'm insured with? I really really can't remember as i've had many concussions since may last year and each
time I get a bit more forgetful Crying or Very sad

Ideas (other than ringing every insurance company in the book)
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arry · Super Spammer Joined: 03 Jan 2009 Karma :

Doh!!

There's no way of actually finding out other than asking the MID to give you the information.

Starting from the top though - did you purchase online? Was it via a comparison site? If it was, then the quote will still be on your profile and it'll likely be the cheapest one you went with Laughing

Any emails from this time last year?

MarJay · But it's British! Joined: 15 Sep 2003 Karma :

If your insurance runs out this month then why do you need to know who you are insured with? Surely you have the insurance documentation? Askmid will say you're insured until after the last day of the insurance term, so it doesn't mean you're insured for another year for free...
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MG · Traffic Copper Joined: 10 Oct 2011 Karma :

MarJay · But it's British! Joined: 15 Sep 2003 Karma :

CaNsA · Super Spammer Joined: 02 Jan 2008 Karma :

If you got the policy online, check your emails Very Happy

Pol Anorl · Banned Joined: 13 Apr 2010 Karma :

I had to ring round till i found it, had to make a new quote with details to find out cheapest and ring the top few, i got there eventualy.
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MarkJ · World Chat Champion Joined: 11 Apr 2006 Karma :

I'd probably either phone, or go to your local branch and they'll print you out your statement for whenever you want (might need ID though)

Simple · World Chat Champion Joined: 08 Feb 2005 Karma :

Marjay I want to find out who i'm insured with as my (probably overpriced) renewal has gone awol in the post and I wont want to renew it so I need to find out before this happens.

I've checked emails, I've raided paper work, I don't recall getting a policy but I remember paying £350 for it last may.

WTF, obviously I realize because my bike is still on the ID that I don't get a free years insurance.. really, why would you post that, who would believe that.
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Pol Anorl · Banned Joined: 13 Apr 2010 Karma :

try to think of the name.
try harder to find paperwork
make a new quote with info used when you made last and then phone the company from then
ask the police ?
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GOOD GAME BODYGUARD: https://i.imgur.com/8WePGgf.jpg
20:30:37 Pyro.: I don't sort of like men, I take every advantage to choke on dick.
Jewlio Iglesias: You live in Liverpool - Chances are, the front door has already been kicked off the hinges

Simple · World Chat Champion Joined: 08 Feb 2005 Karma :

CaNsA · Super Spammer Joined: 02 Jan 2008 Karma :

Have a look where all the other paper work is, mot etc etc, you might find you policy there.

arry · Super Spammer Joined: 03 Jan 2009 Karma :

AskMID - I'm fairly sure you can pay for a disclosure statement which will tell you which insurer has entered the details. Certainly worth contacting to check.

If it was definitely last May and you know the amount - telephone your bank and ask them to look for the transaction to see where it went.

Simple · World Chat Champion Joined: 08 Feb 2005 Karma :

Simple · World Chat Champion Joined: 08 Feb 2005 Karma :

flumpy7 · Could Be A Chat Bot Joined: 31 May 2008 Karma :

Im gonna be a cunt now but....

for the record in future, when you spend £350 on insurance its prob worth making sure you get a copy of your policy agreement and certificate to keep for instances like this AND make a mental note of the company. If you dont like reams of paper (like me) just get it emailed. What if you needed to claim or give your details to a 3rd party? I'd be pretty pissed if you crashed into me and then couldnt remember who your insurance was with. In fact, i'd probably call the police cause id think you had none.
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Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Get a mate to phone up their insurer and say that you ran over their kitten and they want to sue you for emotional distress. Thumbs Up

Or, a Subject Access Request to the MIB or MID shouldn't cost more than a tenner.

"With limited exceptions you have the right to request a copy of the personal information the MIB holds about you and to have any inaccuracies corrected. (We charge £10 per information request.) Please address your request, with an appropriate fee, to the Compliance Manager, Linford Wood House, 6-12 Capital Drive, Milton Keynes, MK14 6XT (cheques should be made payable to the Motor Insurers' Bureau)."
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Simple · World Chat Champion Joined: 08 Feb 2005 Karma :

CaNsA · Super Spammer Joined: 02 Jan 2008 Karma :

He did say he was going to be a cunt.....

MarJay · But it's British! Joined: 15 Sep 2003 Karma :

Derivative · World Chat Champion Joined: 03 Aug 2010 Karma :

May be wrong here, but I thought that to be insured you had to actually be in possession of a policy document?

If you're asked to produce, and you can't provide the certificate within 7 days / 14 days / whatever it is, what happens then?

I'd say riding around on the basis that "MID says yes" is also fairly dodgy - when you buy a policy, it often takes a few days to update, I wouldn't be surprised if it sometimes remains a few days after your actual policy expires.

flumpy7 · Could Be A Chat Bot Joined: 31 May 2008 Karma :

You make no sense to me op

you take claims so seriously you would call the police to the scene of a very minor bump rather than swap details and yet....

you dont know who your insurance is with?
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2012 Sinnis apache

flumpy7 · Could Be A Chat Bot Joined: 31 May 2008 Karma :

G · The Voice of Reason Joined: 02 Feb 2002 Karma :

Have you checked any online banking?
They often keep stuff online for a lot longer these days.

You'd hope they'll at least send you proof of no claims through when it's done!

Simple · World Chat Champion Joined: 08 Feb 2005 Karma :

I know some of you live under rocks and not alot goes on in your lives, but actually in my life keeping track of an insurance document is a very small priority.

Thanks for your help guys,

I think i'll wait to see if it auto renews and then cancel/keep it.

Yes i'd call the police to a 'minor' incident as like I said, once the other party has had poison whispered in their ears the slightest bump can result in broken limbs and an attempt at a new vehicle on their part. Been there got the T-shirt. More fool you if you are involved in another human, where money is to be'gained' and you trust them...
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