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CIE is a new approach to reducing the level of uninsured driving in the UK. It is now an offence to drive or keep a vehicle without appropriate motor insurance, unless it has a valid Statutory Off Road Notification (SORN).

Under CIE, the registered keeper of a vehicle that appears to have no insurance will be sent an Insurance Advisory Letter (IAL) by the Motor Insurers’ Bureau (MIB). The letter will set out what options the registered keeper can take to comply with CIE.

If the registered keeper does not comply, DVLA will take enforcement action which may include:

  • £100 fine (Fixed Penalty Notice)
  • Their details being added to the DVLA’s wheel clamping partners list
  • Possible court prosecution that carries a maximum fine of £1000.

Following payment of the Fixed Penalty Notice, the registered keeper must still purchase a valid insurance policy or make a SORN declaration. If the vehicle remains uninsured the keeper could still with no further warning, be subject to further enforcement action.

The police will continue to seize uninsured vehicles from the roadside.

The DVLA, which has a database of all the registered vehicles in the country, and the Motor Insurers’ Bureau (MIB), which has a database of all the vehicles insured in the country, have joined forces to identify registered vehicles with no insurance.

The Registered Keepers will get a letter setting out the choices available to them, which are

  • to buy insurance if they are currently uninsured, or
  • if they have a current insurer, check with their insurer that the vehicle registration number is recorded correctly, or
  • update the DVLA with any detail changes if the vehicle has been sold, stolen or if you have made a SORN declaration.

If the advice on the letter is ignored the DVLA will then proceed with enforcement.

To check that your vehicle is correctly recorded as 'insured' on the MID, visit the free service www.askMID.com.

If you need to contact MID you can call the askMID Helpline on 0845 165 2888 or by e mail to stayinsured@mib.org.uk

You should check the Motor Insurance Database (MID) by using the free service at www.askMID.com to check your vehicle registration is on the database.

If the vehicle is missing or incorrect, or if you do not have access to the internet, please contact us or your broker straight away to check that the registration number of your car is recorded correctly. Make sure you have your registration number to hand when you call.

If the vehicle is showing correctly on MID and on your registration documents, you should contact the askMID Helpline by phone on 0845 165 2888 or by e-mail to stayinsured@mib.org.uk

If you lease your car you will be the registered keeper and so would receive the Insurance Advisory Letter (IAL) and any other letters and so will be liable for any enforcement action if you do not insure the car or make a SORN declaration.

You, as the registered keeper, would receive the IAL and be liable for any enforcement action if you do not insure the car or make a SORN declaration.

A vehicle will have to be insured unless it

  • has a valid SORN (Statutory Off Road Notice)
  • is exempted from SORN (as untaxed before 31/01/98 and has had no tax or SORN activity since)
  • is recorded by the DVLA as scrapped
  • is recorded by the DVLA as stolen and not recovered
  • is recorded by the DVLA as disposed to the trade
  • is recorded by the DVLA as disposed
  • is recorded by the DVLA as exported
  • is owned by the Crown.

If you ignore the letter, the DVLA will then initiate enforcement action which may include:

  • £100 fine (Fixed Penalty Notice)
  • Your details being added to the DVLA’s wheel clamping partners list
  • Possible court prosecution that carries a maximum fine of £1000
  • Possible crushing of the vehicle.

Your car could be liable to be clamped, or you could receive a Fixed Penalty as well as possible further enforcement action.

A valid motor insurance policy will still need to be purchased if you intend to keep the vehicle and do not declare a SORN. If the vehicle remains uninsured as identified by the database comparison, you could still, without any further warning, be subject to further enforcement action.

If you won’t be using your car in the winter, you must either make a SORN declaration or insure the car. If you don’t, you will receive an Insurance Advisory Letter (IAL) and find enforcement action taken against you.

Uninsured drivers are a menace on the roads. They are:

  • 3 times more likely to have been convicted of driving without due care and attention;
  • 6 times more likely to drive an unsafe vehicle;
  • 9 times more likely to be involved in a road traffic collision;

    and

  • 10 times more likely to have a drink-driving conviction.

Every year the insurance industry pays out about £500 million for claims relating to uninsured driving. This cost is passed on to all honest motorists through insurance premiums. It is estimated to increase the average cost of a motor insurance premium by £30 per annum.

It is anticipated that CIE, in conjunction with continued police enforcement activity, will further reduce the level of uninsured driving on British roads by around 40%. This will help keep down the costs to responsible motorists who pay for the cost of uninsured driving through insurance premiums.

Further information on the change in law is also available from www.direct.gov.uk/stayinsured.

In the first instance you should contact the sales and service telephone number, outlined in your policy documentation. Naturally, we will attempt to resolve any complaint amicably and as quickly as possible.

If you remain unhappy with our decision after you have exhausted our complaints process, you have the right to approach the Financial Ombudsman Service who will independently review your complaint. Details of the scheme will be provided by us when issuing our final response to you.

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We need to verify your No Claim Discount from your previous insurer so that we can apply any discount. We also use this to help prevent fraud.

Please clearly write your RSA echoice policy number on your proof of No Claim Discount and send this to:

RSA echoice, PO Box 13454, Birmingham

B2 2EY

This could be your renewal notice, or a letter on headed paper from your current insurer, and must be an original document (photocopies are not acceptable).

Once all documents are received and validated we will issue your annual certificate; until then a temporary certificate valid for 15 days is available for you to download by clicking on the 'My echoice' tab above, and then clicking "View policy documents" on the left hand side.

Please note that it may take up to 24 hours before all of your documents are available to download.

If we don’t receive a reply before the expiry of the current 15 day certificate there will be no insurance cover in force.

No, NCD may only be used on one vehicle.

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We verify the information you’ve given us about each driver listed in the policy to help prevent fraud.

Please provide us with a photocopy of each driving licence (both the photo card and paper counterpart) clearly marking your RSA echoice policy number on each photocopy and send them to:

RSA echoice, PO Box 13454, Birmingham

B2 2EY

Please provide us with photocopies of each driving licence (both the photo card and paper counterpart) clearly marking your RSA echoice policy number on each photocopy and send them to:

RSA echoice, PO Box 13454, Birmingham

B2 2EY

Once all documents are received and validated we will issue your annual certificate; until then a temporary certificate valid for 15 days is available for you to download by clicking on the 'My echoice' tab above, and then clicking "View policy documents" on the left hand side. Please note that it may take up to 24 hours before all of your documents are available to download.

If we don’t receive a reply before the expiry of the current 15 day certificate there will be no insurance cover in force.

Please contact us on 0330 100 7826 if you are unable to provide any of the copy Driving Licence(s) (including counterpart) for yourself or any drivers you have named on your motor policy.

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We verify ownership details for the car that is being insured to help prevent fraud.

If you’ve been asked to provide this information please provide us with a photocopy of the V5C (Vehicle Registration Certificate) clearly marking your RSA echoice policy number on the photocopy and send it to:

RSA echoice, PO Box 13454, Birmingham

B2 2EY

Please clearly write your RSA echoice policy number on your V5 Certificate and send this to:

RSA echoice, PO Box 13454, Birmingham

B2 2EY

Once all documents are received and validated we will issue your annual certificate; until then a temporary certificate valid for 15 days is available for you to download by clicking on the 'My echoice' tab above, and then clicking "View policy documents" on the left hand side. Please note that it may take up to 24 hours before all of your documents are available to download.

If a reply is not received before the expiry of the current 15 day certificate there will be no insurance cover in force.

The V5C (Vehicle Registration Certificate), commonly known as the ‘logbook’ is a certificate that is issued when a vehicle is registered with the DVLA.

Please contact us on 0330 100 7829 if you are unable to provide the V5 Certificate.

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Category: Auto Insurance

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