Policy Documentation Explained

We will send printed car insurance policy documentation out by Second Class post, when a customer purchases a new car insurance policy or makes changes to existing policy details.

Where appropriate, car insurance customers will receive the following documents:

Covering letter

This explains what is included in the document pack, as well as what needs to be done next. It includes reminders about anything that needs to be sent to us, such as proof of No Claims Discount. It also includes contact details should they be needed.

General Policy Terms

This contains general information and conditions relating to the car insurance policy. The conditions include the Obligations of the Policyholder, the Rights Which We Reserve and General Exclusions of the policy, all of which are applicable to each car insurance policy.

Details of Cover

For each car on cover certain options will have been selected and we will have been given specific and unique car, address and driver details. This information is displayed on the Details of Cover document under the heading "Your declarations about..". A separate Details of Cover is printed for each car insurance policy.

Certificate of Motor Insurance

A Certificate of Insurance is proof of the minimum insurance required by the Road Traffic Act. Certificates will be issued for each car on cover.

The car insurance policy has not been cancelled
All required payments have been made
Any requirements such as NCD proof have been met

Note that the Cover Note is sufficient for car tax purposes.

Policy Payment Arrangements

This document explains exactly:

How much the payments will be
From which account
How the Direct Debit Guarantee works

It also explains charges and fees that apply if

This document explains exactly:

Certain changes are made to a car insurance policy
Payments fail and require re-submission
Copies of car insurance policy documents are required
A car insurance policy is cancelled before the renewal date.

Direct Debit Instruction (DDI)

A DDI will only be issued for car insurance policies payable by instalment, where one or more of the following applies:

The account holder refused to give verbal authorisation
We were not speaking to the account holder
The instruction has previously been cancelled at the bank.

If applicable, the DDI must be signed by the account holder, and accepted by their bank, before we may make regular deductions from an account.

Data Protection Notice

This document explains the purposes for which we will use the personal data which we hold.

Additional Documentation

If additional cover products have been selected, separate policy documentation will be sent out for each product. These products include:

Breakdown Assistance

A RAC Breakdown Assistance policy document will be sent out to customers who selected this cover when they took out their car insurance policy or added it at a later date. In the event of assistance being required, all that will be needed is the car insurance policy number and the vehicle registration number - no Breakdown Cover 'card' will be required.

Motor Legal Protection

A Motor Legal Protection policy document will be sent out to customers who selected this cover when they took out their car insurance policy, or added it at a later date.

Payment Protection

A Payment Protection policy schedule will be sent out to customers who have this cover included on their car insurance policy.

Please check all details on the documents carefully and contact us if any of the information is incorrect.

Copies of car insurance policy documents can be requested from our customer service team. Please note that a fee can be levied for this service (see Service/Administration fees).