CIE regulations will make it an offence to keep an uninsured vehicle

The British Insurance Brokers’ Association (BIBA) welcomed news that Continuous Insurance Enforcement (CIE) regulations have been laid in Parliament.

Under the new powers it will be an offence to keep an uninsured vehicle, rather than just to drive when uninsured.

BIBA head of corporate affairs Graeme Trudgill said: “A new system will be launched this spring that compares records on the Motor Insurance Database with those held on the DVLA Vehicle Database to indentify keepers of uninsured vehicles."

If vehicle keepers fail to get cover or submit a Statutory Off Road Notice they could face a fixed penalty of £100, prosecution with a fine of up to £1,000, and/or wheel clamping and possible seizure of their vehicle.

A BIBA spokesman said the trade body had been been lobbying for the introduction of CIE since 2004. He added that the new regulations would create a fairer system for responsible motorists, whose premiums are hiked by an average of £30 each year to cover the costs of uninsured driving.

Trudgill added: “Motorists can check if they are insured at www.askmid.com or should speak to their insurance broker for further guidance.”


The 2025 Insurance Times Awards took place on the evening of Wednesday 3rd December in the iconic Great Room of London’s Grosvenor House.

Hosted by comedian and actor Tom Allen, 34 Gold, 23 Silver and 22 Bronze awards were handed out across an amazing 34 categories recognising brilliance and innovation right across the breadth of UK general insurance.
Many congratulations to all the worthy winners and as always, huge thanks to our sponsors for their support and our judges for their expertise.