October 23, 2019

Cover Note versus Certificate of Motor Insurance

The Cover Note is the first official document you will receive from your insurance company or broker to show your vehicle is compliant with the law of insuring your vehicle. This is a temporary document issued to cover you as you wait for your full motor trade insurance policy.  With this document, you can legally operate your vehicle on roads in the UK.

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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 allows for the vehicle being covered to be legally driven on UK roads immediately. Your insurance agent or broker just assumes the details you have provided are truthful and accurate so you will have immediate coverage.

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 could 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 driver's 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

In accordance with vehicle regulation rules 1972 all certificates of motor insurance must be in black and white and contain the following as a minimum: 

  • Persons that are entitled to drive
  • Policyholder name plus policy holder provider ( insurance company)
  • Vehicle registration
  • Class of use
  • Start date and end date of policy/
  • Certificate Number
  • Level of cover third party, third party with fire and theft  or comprehensive.

Not all insurance brokers will issue a cover note as most can now quickly generate an online copy of your Most big named brokers brokersmotor insurance, Aviva motor trade insurance, Tradex  and  Tradewise motor insurance being two examples/

Cover Note Information

If a cover note is issued, it will contain the same information as detailed above in the motor insurance policy. Start comparing the costs of full and part time motor trade insurance, by selecting the blue Get Quotes button below.

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