What's the minimum your car insurance certificate does?

[saaby93]

What's the minimum you think your car insurance certificate does for you?

We're having a bit of a discussion over in SPL but it would be good to answer what you think it covers before looking.
No Idea
Nothing if you dont keep up payments, or if they cant confirm your NCD etc
Always basic third party until it runs out or you send it back

http://www.pistonheads.co.uk/xforums/topic.asp?h=0...

ta

Edited by saaby93 on Friday 6th April 13:14

[smiffy180]

saaby93 said:

What's the minimum you think your car insurance certificate does for you?

We're having a bit of a discussion over in SPL but it would be good to answer what you think it covers before looking.
No Idea
Nothing if you dont keep up payments, or if they cant confirm your NCD etc
Always basic third party until it runs out or you send it back

http://www.pistonheads.co.uk/xforums/topic.asp?h=0...

ta

Edited by saaby93 on Friday 6th April 13:14

That last bit is a bit vauge.... If you're over 21 then yeh but if you're under its basic third party atleast on your own car

[saaby93]

smiffy180 said:

That last bit is a bit vauge.... If you're over 21 then yeh but if you're under its basic third party at least on your own car

I was trying to write an unbiased poll but thats pretty much impossible
tell me again what was vague or what youd like it to have said?
I meant if it runs out after a year or month or for however long you bought it,
or if you want to finish with it early they ask you send back the certificate - did you know that maybe not lol

Edited by saaby93 on Friday 6th April 14:31

[kambites]

I don't actually know, but presumably it's standard contract law - the contract you enter into says you must provide certain things - one of them is proof of no-claims (and will define exactly what that entails) and another is that you maintain payments. Surely if you break your side of the contract, the whole thing is null and void.

I believe there is an agreement within the insurance industry that they will pay out third party costs anyway in this case, but then they can take you to court to claim them back. So whilst you are technically uninsured, anyone you hit is still protected by the underwriters.

Not certain though.

Edited by kambites on Friday 6th April 17:02

[redgriff500]

The question makes no sense.

The minimum the cert does is act as emergency toilet paper.

Otherwise all it does is demonstrate that at the time it was taken out, you had insurance.

[littleredrooster]

redgriff500 said:

The question makes no sense.

The minimum the cert does is act as emergency toilet paper.

Otherwise all it does is demonstrate that at the time it was taken out, you had insurance.

My understanding completely. If (for whatever reason) you have not fulfilled the contractual obligations, it may just be a worthless bit of paper.