September 23rd, 2011 | 
Author: Legal evidence of car insurance, which is mandatory, is provided by three key documents that a motorist will receive either through the post or online when motor insurance cover has been purchased. Without this legal evidence of insurance, a driver may be liable for a range of penalties, and these can be severe.
The Certificate
This gives the details of the vehicle that has been insured, the name of the driver (and the names of any other drivers permitted to use the vehicle), what the insured vehicle will be used for and the dates that the policy is valid for. The certificate provides the required legal evidence that motor insurance cover is in place. It must be produced when an accident happens, when it is necessary to tax the vehicle, or if the police ask for it to be produced.
The Policy
The insurance policy sets out the exact terms and conditions of the motor insurance cover taken out and motorists should ensure they understand it. Any queries should be sent to the insurer immediately.
The Schedule
The schedule contains the specific details about the policy taken out. It will cover what level of excess has been agreed upon, what amount of no-claim discount applies to the policy, and whether cover is comprehensive or third party only. It will also include information on additional cover, such as legal protection, provision of a replacement vehicle during repairs after an accident, or breakdown recovery.
It is essential for motorists to check all documents carefully so that all details are correct. If they are not, then they should be amended at once.
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