Good afternoon,
That's getting less and less true in England as there is a link between some, I don't know how many, ANPR cameras and the Motor Insurance Database (MID).
Insurers are legally obliged to supply private car insurance policies to this database.
However it doesn't follow that a lack of a record in the MID database for a reg number means that there is no insurance policy covering that vehicle, it could be covered by;
- a fleet policy.
- a second car on an any vehicle policy (these tend to be held by collectors or possibly some classic car type policies).
- DOC by the son of the owner who has kept the car but is no longer driving.
- many other reasons.
So it would be pointless for the police to stop every vehicle without a MID record, but certain types of vehicles, say a 20 year old Ford Mondeo, are less likely to be covered if there is no specific record for that reg num.
Of course a person could lie and say that they a licence and have an insurance policy as far as MID is concerned, even if the policy is in fact void.
Bye
Ian