Documents you'll receive
There are three key documents when
you take out a policy of motor insurance, the certificate, the policy and the schedule.
The certificate
This contains details of the vehicle insured, the driver(s) named to use the vehicle, the use of the vehicle which
is insured and the dates for which the policy is valid. This is the document that provides legal evidence of insurance cover
and is required should an accident occur, when the vehicle needs to be taxed or if you're asked to produce it by the police.
The policy
This sets out in full the terms and conditions of the insurance cover.
The schedule
Gives details specific to your policy such as excesses, no-claim discount and which parts of the policy apply in your
case (eg whether cover is comprehensive).
You may be given an insurance cover note when
you first take out an insurance policy. The cover note acts as a certificate and temporary policy while the full documents
are produced.
With all insurance documents it's very important
that you check to see that the details are correct and to get them amended if they're not.
