What is a cover note?
A cover note is a temporary document issued by an insurance company that provides evidence of insurance coverage until the actual insurance policy is issued.
Cover notes are usually sent when you haven’t yet received your Certificate of Insurance. With the advances in technology and the shift of financial transactions to online platforms, they’re not as common as they used to be.
When are cover notes issued?
A cover note might be issued for a few reasons:
- You’ve applied by phone or post
- Your insurer is having system issues
- The underwriter wants to discuss any risks there might be when insuring
- You’ve amended your policy – such as adding another driver
Can a cover note be used as proof of insurance?
Yes, your cover note is proof that you’ve paid for your car insurance and that you haven’t received your insurance certificate yet.
If you get pulled over, police will accept your cover note as proof as long as it’s being used within the valid period.
What if my insurance certificate doesn't arrive?
In the rare event that a cover note expires before an insurance certificate is sent, some insurance companies may choose to send an extension to your cover note.
How long do cover notes last?
Cover notes generally last 30 days, but this usually depends on your policy and insurer. 60 days is usually the maximum period a cover note can last.
What’s the difference between my cover note and my insurance policy?
The same terms and conditions apply with your cover note as your full policy. However, your insurance policy documents are more comprehensive and contain all the details of your cover, whereas your cover note simply says ‘I’ve paid for my insurance’.
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