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Rule #1: Read Your Policy

Motor insurers usually issue three documents:

  • The Certificate of Insurance - this is evidence of insurance as required by the Road Traffic Act.
  • A Cover Note - acts as a temporary policy and also as a temporary certificate of insurance for the purposes of the Road Traffic Act.
  • The Policy Document - sets out in full the terms and conditions of your policy.

You should read all your policy documents carefully - new laws mean that there should be no small print or difficult language in modern insurance policy booklets.

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