When is my car insurance due


Losing your Car insurance details can be annoying but it’s important to keep up to date with your coverage, as it’s your legal responsibility as a driver to do so. Here is our quick guide on how to find out your insurance details if you’ve lost your original policy documents or are just in a hurry.

How to find out when my car insurance is due

There are a few ways you can quickly check your car insurance details if you can’t remember them or need to double check.

  • Check your bank statements for insurance payments – monthly or annually.
  • Renewal notices
  • If you have access to them, checking your policy documents will be the most straightforward way of getting your expiry date. Insurers should have sent you you’re policy either in the mail or via email.
  • If you don’t have supporting documents to check if your car is insured, you can look this up on the Motor Insurer’s Database. For this, you’ll need to enter your registration number and declare you’re the car owner. If your car insurance is recently purchased it can take a while for your insurance to be uploaded to the database.

There are also alternative sources to the Motor Insurer’s Database such as the following:

  • Calling your insurer directly if know the company
  • Checking your emails and potential payment statements

What should I do if my car insurance is expired

If your car insurance is expired then you’ll need to get a minimum of third-party coverage before you can legally drive on the road. If you are found without valid car insurance then you can expect to be hit with a £300 fixed penalty notice along with 6 penalty points on your licence. You may also have your vehicle seized and potentially be disqualified from driving.

What’s the best time to renew your car insurance?

Typically the best time to renew your car insurance policy is around 21 days to a month before your policy is due to expire. This is to give yourself ample time to compare quotes from different insurers and get the best deal for you. Leaving your insurance to the last minute increases your chances of missing out on better deals. To get the full benefits out of CompareNI you should:

  • Take time to compare your quotes and weigh up their price against coverage.
  • By comparing quotes sooner rather than later you can avoid last-minute price increases

Compare car insurance quotes today

*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.