This bit is the bit that people need to be aware of
13. If as a result of this process of comparison a vehicle appears to be uninsured, and for which there is no formal off road (SORN) declaration, the registered keeper will be sent a letter and given reasonable opportunity to respond. The letter will explain for example, that if the keeper is already insured s/he will need to check that their insurer/broker has correctly entered details on the MID, or if s/he is no longer the registered keeper of the vehicle s/he will need to inform the DVLA in order for DVLA to update its records. The letter will also allow opportunity for the registered keeper to explain that they are exempt for other reasons (see the exceptions below in paragraphs 16 to 20). However, the letter will further warn of the consequences if the keeper is uninsured and takes no action to obtain appropriate insurance.
