Safeguard your policy papers

There are certain pieces of documentation which you should get with your insurance and make sure you keep safe:

The certificate of insurance. This is a short and simple document which certifies...

• ...Who is insured
• ...The type vehicle covered
• ...The kind of insurance cover
• ...The period of cover
• ...The main conditions

Sometimes a broker will give you a temporary certificate or 'cover note'. This is issued while you're waiting for your certificate and is proof of insurance.

Keep the cetificate safe and produce it...

• ...If the police ask you
• ...When you apply to renew your vehicle excise licence

The policy document This contains the full details of the contract between you and the insurance company. It's usually written in legal language. Ask your broker or the insurance company to explain any details which you don't understand.