A cover note is a handy document that acts as proof that you've paid for your car insurance. A cover note will make sure you're not left uninsured while you wait for your insurance certificate.
They're quick and easy to get, so there's no need to worry about being caught out in the meantime.
Here's everything you need to know about cover notes.
What is a cover note?
A cover note is a temporary document which provides proof that you've paid for your car insurance.
You might get a cover note for a few reasons:
- Your insurer is having problems with their system.
- You've applied for your car insurance by phone or post.
- You've amended your policy, such as adding another driver.
- The underwriter wants to discuss any risks before insuring.
When do I need a cover note?
There are a few situations where you might need a cover note:
- When your policy is amended. You might need a cover note if you change your car or add a new driver to your policy.
- If you're stopped by the police. If the police stop you and ask for proof of insurance, you can show them your cover note. This is more likely to happen if your new policy isn't yet updated on the Motor Insurance Database (MID).
How do I get a cover note if I need one?
It's fairly simple to get hold of a cover note if you need one. You'll need to contact your insurance company, and they should offer you a cover note free of charge.
Your cover note should arrive by email within 24 hours of requesting it. If you've opted to receive it by post, it should reach you within 5 working days.
Most insurers will also let you download it for free from their company website or app.
When do cover notes expire?
Cover notes usually expire after 30 days, but this can vary depending on the insurer. 60 days is usually the maximum amount of time your cover note will last.
If your cover note expires before you get your insurance certificate, your insurer should give you a new one. This is fairly unlikely, but it's important to make sure you're not left uninsured.
What information is included on a cover note?
Cover notes show information about you, and the type of cover you've got. Here's what you should see on your cover letter:
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Driver. The insured driver's name and address.
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Vehicle. The make, model, and registration number of the vehicle.
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Cover type. The type of cover you're getting. This might be comprehensive, third-party, fire and theft, or third-party only.
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Excess. This is the amount the driver pays towards a claim.
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Policy numbers. Policy numbers are used to identify you, the policyholder, and the insurance policy. You can find your policy numbers on the policy document you receive from your insurance provider when you buy it. If you're registered for online banking, you can also find your policy numbers there.
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Expiry date. The date your policy ends.
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Any special conditions. Any special conditions or terms and conditions on your policy. This could be any stated medical conditions, driving history, or if your car has modifications.
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The classes of use. This means what you're using the vehicle for. For example, commuting, social, domestic, or all-inclusive.
What's the difference between my policy and cover note?
The two documents are fairly similar, but the main difference is how detailed they are.
Your policy will be a lot more detailed than the cover note. This is because a cover note is only meant to be temporary. Your actual policy will contain all the details of your coverage, including the terms and conditions.
There could be a delay in getting your cover note if your insurer finds risks involved with insuring you.
Your insurer has the right to cancel your cover straight away while you have a cover note. Usually you'd be given at least 7 days' notice.
What's next?
You should receive your permanent policy documents soon after your insurer has issued your cover note.
Once your application is approved, you'll receive your Certificate of Motor Insurance. You'll also get a policy booklet, and a summary of your cover outlining the terms and conditions.
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