Cover note versus certificate of motor insurance
A cover note is the first official document you will receive from your insurance company or broker to show your vehicle is in compliance with the law by having road risk insurance on it. This is a temporary document issued to be used as proof the vehicle has road risk insurance covering it. With this document, you can legally operate your vehicle on roads in the UK.
Why was a cover note issued instead of my certificate of motor insurance?
The receiving of the cover note is proof the premium on the insurance policy has been paid and is proof the vehicle is covered with a road risk policy so it can be legally driven on UK roads. Your insurance agent or broker assumes that the details you have provided are truthful and accurate and issue the note.
The delay of issuing the certificate of motor insurance is so the information being provided can be checked for accuracy. This process is called trust with verification so the client can drive where they need to without the worries of not having their vehicle insured.
If any of the information or documents being provided fail verification or are found to be false it will cause the cover note to be invalidated by the insurance company.
How long is a cover note valid for?
The process of verifying all the documents a client submits can take up to 30 days on average. This can include the driving license check, no claims discount verified, background check for criminal convictions and ownership of the vehicle to name a few. Other factors involved in the time needed for the verification process include the type of vehicle to be covered, the level of insurance coverage and how the vehicle is going to be used.
Due to that verification process, the average cover note is valid for those 30 days so the verification process can occur and be completed. Once the verification process is completed and the certificate of motor insurance is issued, the cover note becomes invalid.
Motor certificate Information
Per vehicle regulation rules of 1972 all certificates of motor insurance must be printed form and contain the following information at a minimum:
Cover Note Information
If a cover note is issued, it will contain the same information as detailed above in the motor insurance policy.