Understand Your Motor Insurance Policy

A motor insurance policy is an integral part of driving legally on roads within the UK. Once a policy has been purchased, a certificate of insurance is issued and this usually incorporates a number of terms and conditions. Understanding them at the time of purchase will help in the event of any disputes with the insurer in the event of a claim.

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Policy Number

All certificates of motor insurance are issued with a policy number. All numbers are unique and can be quoted as a point of reference whenever a motorist has dealings with the insurance company.

Length of Policy

The certificate of insurance will always indicate the length of a policy. This is vitally important for a number of reasons although the most significant of these is the fact that motorists will always know when a policy is up for renewal.

Named Drivers

All policies will give a clear indication of the drivers that are legally allowed to operate a vehicle. If a name isn’t included on the certificate of insurance, it is illegal for them to drive a particular vehicle unless they are comprehensively insured on another policy.

Coverage Level

The coverage level indicates the type of insurance policy purchased, In the UK, this will usually relate to either comprehensive or third party cover.


Most motor insurance policies in the UK will have certain restrictions and the certificate of insurance will highlight areas of use that will invalidate the insurance cover. This might include off-road use, racing or overseas driving.

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