MID
Managing a Motor Trade policy? Knowing how to change vehicles on the Motor Insurance Database (MID) is essential – not just for the smooth running of your business, but to stay legally compliant and avoid fines, legal trouble or your car being impounded. Here’s our guide to help walk you through the basics.
The basics you need to know
MID updates in real time
Motor traders need to keep the MID up to date every time they buy or sell a vehicle. As soon as you buy a car, add it to the MID – when it’s sold, remove it right away.
Vehicles for personal use
Want to use your personal car for everyday driving under your Motor Trade policy? Make sure you declare it to your insurer and get their approval first.
Don’t forget trade plates
Remember, if you use trade plates for transporting or demonstrating vehicles, they must also be registered on the Motor Insurance Database.
Keep track of paperwork
Make sure you have the right paperwork to show you’ve acquired each vehicle for your business as you might need this in the event of a claim.
How to update your Motor Trade vehicles on the MID
Each insurer has their own process – some offer online portals, others ask you to request changes through us as your broker. Just select your insurer below for details. If your insurer does not provide portal access or you are having technical difficulties, you can request a change of vehicle using the form below or you can email mid@qmtcommercial.co.uk for support.
Haven / Granite
You will receive login details from your insurer within 24 hours of your policy start date, which will allow you to easily manage your Motor Trade vehicles online. Unfortunately, QMT Commercial does not have access to the insurer's Motor Insurance Database (MID) and cannot change vehicles on your behalf.
Portal Link: https://www.midasdirect.com/
Road Runner
You will receive login details from your insurer within 24 hours of your policy start date, which will allow you to easily manage your Motor Trade vehicles online. Once you receive your Motor Insurance Database (MID) link, you will have 20 minutes to activate your account.
If you have any issues, please email us at mid@qmtcommercial.co.uk and our Client Relationship Team will be happy to help.
KGM
To change the vehicles on your Motor Trade policy, please contact our Client Relationship Team on 01227 285 540 or you can email mid@qmtcommercial.co.uk - please do not operate the vehicles until cover has been confirmed.
Tradex
You will receive login details from your insurer, which will allow you to easily manage your Motor Trade vehicles online.
If you have any issues, please email us at mid@qmtcommercial.co.uk and our Client Relationship Team will be happy to help.
Portal Link: https://midportal.cginsurance.com
View the Tradex Two Factor Verification Guide
Vehicles that can be added to your MIPD (Motor Insurance Policy Database)
- Personally Owned Vehicles – These vehicles must be registered to the policyholder or drivers who are entitled to drive their own personal vehicles under the policy for social domestic and pleasure purposes. These vehicles must be taxed.
- Business Vehicles – These vehicles must be registered to the Business insured. The vehicle must be taxed. Examples of these vehicles include company vehicles used for business purposes, such as a Recovery Truck etc.
- Trade Plates – Any Trade Plates that are registered to the policyholder should be included on the Motor Insurance Database.
Vehicles that should not be added to your MID (Motor Insurance Database)
- Stock Vehicles – These vehicles are passing through vehicles and should not be added to the MID. These are untaxed vehicles and cover under your Motor Trade Policy for these vehicles is restricted to Motor Trade use only, they cannot be driven for social, domestic and pleasure purposes.
- Customer Vehicles – Vehicles owned by the policyholders customer whilst in your possession for Motor Trade Purposes in connection with your business occupation should not be added to your MID. These are also restricted to Motor Trade use only, they cannot be driven for social, domestic and pleasure purposes.
Please note that as per DVLA expectations, vehicles registered in the motor trade should be untaxed and used on trade plates whilst in the temporary possession of the trader. If the trader wishes to tax vehicles for personal use, then vehicles should be registered to them and taxed accordingly. Vehicles in the trade should only be taxed at the point where they are sold to a new keeper and the new keeper details notified to DVLA. Tradex also requires the client to retain evidence in the form of emails from the DVLA for any changes made online or postal evidence for any changes not done online.
Q / TFP
You will receive login details from your insurer within 24 hours of your policy start date, which will allow you to easily manage your Motor Trade vehicles online.
If you have any issues, please email us at mid@qmtcommercial.co.uk and our Client Relationship Team will be happy to help.
Niche
You will receive login details from your insurer, which will allow you to easily manage your Motor Trade vehicles online.
If you have any issues, please email us at mid@qmtcommercial.co.uk and our Client Relationship Team will be happy to help.
Portal Link: https://nichemid.co.uk/
Niche - KGM
To change the vehicles on your Motor Trade policy, please contact our Client Relationship Team on 01227 285 540 or you can email mid@qmtcommercial.co.uk - please do not operate the vehicles until cover has been confirmed.
Niche - Eridge
QMT Commercial will contact you as soon as possible (typically within 48 hours of the policy starting) to provide you with a login for your insurer's Motor Insurance Database (MID).
If you have any issues, please email us at mid@qmtcommercial.co.uk and our Client Relationship Team will be happy to help.
Portal Link: https://www.midasdirect.com/
Niche - Tradex
QMT Commercial will contact you as soon as possible (typically within 48 hours of the policy starting) to provide you with a login for your insurer's Motor Insurance Database (MID).
If you have any issues, please email us at mid@qmtcommercial.co.uk and our Client Relationship Team will be happy to help.
Portal Link: https://nichemid.co.uk/
Request a change
