Make sure you 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 your policy carefully - there is no small print or difficult language in modern insurance policy booklets.

6 out of 10 drivers were recently found to not know the key points of their policy documents, meaning that in some instances they were not covered.

The Law

The Road Traffic Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other people's property resulting from use of a vehicle on a road or other public place. It is an offence to drive your car or allow others to drive it without insurance.