Continuous Insurance Enforcement (CIE)

Continuous Insurance Enforcement (CIE) photo

As part of Continuous Insurance Enforcement (CIE), it is now a legal requirement for registered vehicle keepers to insure their vehicle(s) at all times. 

You don’t have to be driving to be caught. It is now a legal offence to keep a vehicle without insurance unless you have notified the DVLA that your vehicle is being kept off the road and have a valid Statutory Off Road Notification (SORN).

Under the new system, MIB and the DVLA will work in partnership to identify uninsured vehicles by comparing DVLA vehicle records against those held on the Motor Insurance Database (MID).

The registered keeper will be sent an Insurance Advisory Letter (IAL) telling them that their vehicle appears to be uninsured and warning them that they will be fined unless they take action.

If the keeper fails to comply with the advice set out in the letter they will face:

  • a fixed penalty notice of £100
  • their vehicle being clamped, seized and disposed of
  • a court prosecution with a maximum fine of £1,000

These new measures are in addition to the powers the police already have to seize an uninsured vehicle and fine the driver. 

For more information on CIE please visit and see relevant press releases in the MIB Media Centre.

BIBA’s Graeme Trudgill interviews Ashton West from MIB and David Hancock from DVLA regarding the latest updates on motor insurance and continuous insurance enforcement. Click here to view the interview on Youtube.

You can also check the Motor Insurance Database for FREE to see if you have a valid insurance record at