http://www.mib.org.uk/Motor+Insuranc...e/en/MID+Faqs/
The system is already flawed, my insurance policy is regarded as a fleet policy, that is renewed on a monthly basis. This means that every month my vehicles may not be on the database for up to 14 days. (Some insurance companies consider this to be 14 working days)
I have been stopped by the police and fortunately I use my mobile to take a picture of the policy when it arrives each month. On this occasion the officer was very understanding, but I some police forces take what the MID says as 100% accurate and enough of a reason to impound your vehicle. MID do not claim that their database is 100% accurate.
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The MID can be updated 24/7. So, depending on the insurance provider and the organisation loading your data to the MID, it can be updated within a few hours. For some insurers the process is a little longer and may take a few days.
The insurance companies have a target of 7 days to get your data onto the MID (unless your policy is a commercial, fleet or motor trade policy, in which case the target is 14 days) but the vast majority of the data is on the MID within a couple of days
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I'm not sure if these are the latest costs.
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If the police then have reason to believe the vehicle or driver may be uninsured, they can impound the vehicle and request adequate proof of insurance to release it. Even if adequate proof of insurance is subsequently provided, an automatic charge of around £120 is made for the release of the vehicle, plus an additional charge for each day that the vehicle has been impounded (up to 14 days – at which point the vehicle is destroyed)
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I did a bit of digging around last year after I got stopped and found details on the accuracy and the number of taxed cars on our roads, my conclusion that every day there was somewhere approaching a million cars that were not on the MID.