Find out what a cover note is and why you might need one to get on the road straight away.
A cover note is a temporary car insurance document issued by your insurer as proof of cover until final documents can be sent.
You might be sent one while the insurance underwriter completes the paperwork or looks more closely into the risks of issuing you with a policy.
Don’t worry, your car insurance application hasn’t been rejected, the cover note just stands until you get your certificate of insurance.
The cover note will include the same details as a certificate of insurance, such as the name(s) of anyone entitled to drive the vehicle, the vehicle make and model, and the extent of cover.
The length of time it’s valid for depends on the insurer and on the policy, but 60 days tends to be the maximum cover period and the timescale must be stated on the cover note.
You’ll be covered by the same terms and conditions that are listed in your full policy document, such as permission to drive other cars and entitlement to a courtesy car.
However, there might be a few limitations due to any risks involved in insuring you that the underwriters might be looking into.
For example, the insurance firm might reserve the right to cancel your cover immediately, whereas ordinarily they would have to give you at least seven days' notice.
A misspelt name or incorrect date of birth could make a real difference if you have to make a claim