A few years ago (2004 I think it was), while I was flitting back and forth from Lancashire to the Isle of Man, I was pulled early one Sunday morning (about 07:30), on the Old Castletown road (near Port Soderick junction) by some "person" using a speed gun.

I had no documents on me at the time, and could not produce any for him, except for some bank cards etc with my name on them.

The vehicle check he carried out on the spot verified myself as the vehicle owner, and that everything was in place (My Licence, Vehicle Insurance etc).

So, even if you have nothing other than a bank card on your person, it would certainly seem that they can still carry out a full and complete check on you and your bike, on the spot.

Still, probably best to carry something, as I was held up for ages while the checks were carried out.