Waiting for a cover note

[boiler]

I have a quick question - just curious I suppose.

I brought a Tiv at the beginning of February, and insured it with a reputable insurer. They sent a cover note for the first 30 days whilst I completed to paperwork. The 30 days is up, and I haven't received anything back. Spoke to them today, obviously the paperwork that I filled in got lost somewhere in the post (thanks Postman Pat ) They are sending another cover note and another copy of the paperwork for me to fill in.

The question is, can I drive the Tiv tonight, as work was $hite today, and I need a . What would happen if it was nicked, or worse I had an accident. They have taken a years premium but could they wriggle out of the cover.

Andy.

[smeagol]

I believe you are insured and OK. A lot of Insurance advertises say you can be "insured over the phone" which is effectively what you have done I presume you have paid the premium so therefore insured. I once had a curtesy car delivered to my place of work whilst they took my car away and I had to be insured for it. I rang from work and was covered emediatly so I could drive home. AFIK The cover note is only sent to provide as evidence if you get a producer and you get 7 days for it, (so it should arrive within that).

[outlaw]

want Adrian Flux was it, by any chance. They well known for that one.

>> Edited by outlaw on Monday 17th March 23:27

[Dr Bob]

outlaw said: want Adrian Flux was it, by any chance. They well known for that one.

Agreed, was with adrian flux for a bit last year and mighty unimpressed with the service I received.
- were cheapest though!
CH

[loaf]

s147 RTA 1988 states that a policy is not in force until a certificate has been delivered by the insurer to the insured. Phone-based insurers get round this by using the concept of a verbal contract - an insurance policy is just another contract - and all contracts are made up of an offer, an acceptance, and a consideration. Once you've proposed the risk and the insurer has quoted you a premium (offer) you've accepted it (acceptance), and you've made arrangements for payment (consideration) the contract between you and the insurer is in force under law and off you go. Get a policy number - not just the cover note number - and you should be OK.

Edited cos grammar was crap. Twice.
>> Edited by loaf on Tuesday 18th March 10:04

>> Edited by loaf on Tuesday 18th March 11:01