Car Insurance
With the internet booming and more cars on our roads than ever before car insurance has never been easier to get.A motor insurance quote is usually just a click away and with competition so hot these day for our money as many quotes as possible is a must.
When we are choosing a car insurance plays a large part as insurance companys will take all sorts of information about your vehicle into account such as engine size i.e 1600,2000 etc.even the colour can change your qoute if its metallic paint etc.Of course if you are a young or inexperienced driver this is going to cost you more.Some young drivers are put onto their parents insurance although this is risky to parents no claim bonuses and also you will not build no claims bonuses of their own.So if you are an experienced driver or not still shop around there are some fantastic deals out there for car insurance.A word of warning be honest with your insurance company when asking for your quote if your car is modified in any way as if you are dishonest in any way on your insurance it will be null and void in an accident.When you have decided on your quote and take up your car insurance make sure you check your documentation.
When we are choosing a car insurance plays a large part as insurance companys will take all sorts of information about your vehicle into account such as engine size i.e 1600,2000 etc.even the colour can change your qoute if its metallic paint etc.Of course if you are a young or inexperienced driver this is going to cost you more.Some young drivers are put onto their parents insurance although this is risky to parents no claim bonuses and also you will not build no claims bonuses of their own.So if you are an experienced driver or not still shop around there are some fantastic deals out there for car insurance.A word of warning be honest with your insurance company when asking for your quote if your car is modified in any way as if you are dishonest in any way on your insurance it will be null and void in an accident.When you have decided on your quote and take up your car insurance make sure you check your documentation.
Documentation & paperwork
As motor insurance is a legal requirement and given that whilst driving you can be stopped and asked to prove that you are driving with insurance, you naturally must have some form of proof or documentation that you have valid cover. This is supplied to you by your insurer once you have taken out a policy with them.
A certificate of insurance.
A schedule and/or policy document.
A cover note.
A certificate of insurance is evidence of insurance as required by the Road Traffic Act. This is the document you will be asked for, should you be required to prove your current valid insurance. The schedule and/or policy document is different from the certificate in that it sets out the full the terms and conditions of your insurance policy. Finally, the cover note acts as a temporary certificate for the purposes of the Road Traffic Act. A cover note would usually be issued to allow either a broker or insurer time to complete their paperwork before they issue the full certificate, though this practice has, over time, become less and less frequent.
You should always read your policy to make sure that it gives you the level of cover you agreed with your broker or insurance company. If there is any part of the document you are unclear about or wish to clarify then contact your broker or insurer; they should be more than happy to explain any queries you have about the language or terms shown. Should you attempt to make a claim for something which is not shown or covered on the policy or is noted as an exclusion, the insurance company is well within their rights to refuse to pay your claim.
One thing to note about insurance contracts which is very important is that you are required to inform the broker or insurance company everything you believe to be relevant or important; about you, your driving history, claims or convictions etc. Literally everything that relates to you as a driver or road user, as any information that is not shared that later becomes apparent during a policy term could invalidate the cover that you have. Unlike many situations where a contract is agreed upon where you are required to only answer or inform based on the questions that you are asked, motor insurance falls under ‘utmost good faith’ requiring you to inform of any relevant information whether you are asked or not.
As motor insurance is a legal requirement and given that whilst driving you can be stopped and asked to prove that you are driving with insurance, you naturally must have some form of proof or documentation that you have valid cover. This is supplied to you by your insurer once you have taken out a policy with them.
A certificate of insurance.
A schedule and/or policy document.
A cover note.
A certificate of insurance is evidence of insurance as required by the Road Traffic Act. This is the document you will be asked for, should you be required to prove your current valid insurance. The schedule and/or policy document is different from the certificate in that it sets out the full the terms and conditions of your insurance policy. Finally, the cover note acts as a temporary certificate for the purposes of the Road Traffic Act. A cover note would usually be issued to allow either a broker or insurer time to complete their paperwork before they issue the full certificate, though this practice has, over time, become less and less frequent.
You should always read your policy to make sure that it gives you the level of cover you agreed with your broker or insurance company. If there is any part of the document you are unclear about or wish to clarify then contact your broker or insurer; they should be more than happy to explain any queries you have about the language or terms shown. Should you attempt to make a claim for something which is not shown or covered on the policy or is noted as an exclusion, the insurance company is well within their rights to refuse to pay your claim.
One thing to note about insurance contracts which is very important is that you are required to inform the broker or insurance company everything you believe to be relevant or important; about you, your driving history, claims or convictions etc. Literally everything that relates to you as a driver or road user, as any information that is not shared that later becomes apparent during a policy term could invalidate the cover that you have. Unlike many situations where a contract is agreed upon where you are required to only answer or inform based on the questions that you are asked, motor insurance falls under ‘utmost good faith’ requiring you to inform of any relevant information whether you are asked or not.