Getting an insurance certificate

[Quarterly]

Does anyone know why insurance companies not want to issue a certificate of insurance. There must be a reason? I've just renewed my Public and Employers and received a total of 64 pages in 6 separate bundles, but no certificate which is the only part I require. Do they think that I might cancel the insurance and continue to use the certificate? Why would I want to that as it would be fraudulent and invalid.

[anonymous-user]

Have you asked them?

[Quarterly]

I have asked them and I didn't get the answer I wanted which is why I thought I'd ask here. The reason I was given is that certificates are issued only after a request and the reason for that is that is that is way insurance companies do it. I just wonder why?

[insurance_jon]

Herin lies the problem. There is no such thing as a certificate of public liability insurance. There is for employers liability, but not for public liability.

The bit that shows your cover for public liability is the insurance schedule.

However this might also show other info you don't want to give away.

For this reasons we issue confirmation of cover letters on a "to whom it may concern" basis

[Ean218]

I have never requested a certificate in my life yet have employer's liability certificates going back 30 odd years plus hundreds for vehicle insurance.

[Quarterly]

insurance_jon said:

Herin lies the problem. There is no such thing as a certificate of public liability insurance. There is for employers liability, but not for public liability.

The bit that shows your cover for public liability is the insurance schedule.

However this might also show other info you don't want to give away.

For this reasons we issue confirmation of cover letters on a "to whom it may concern" basis

Thanks Jon, that does indeed answer my question and I notice the 'certificate' I've just been sent, says only 'proof of liability insurance'. In future when I'm asked for a certificate I'll try giving them my schedule instead.

[insurance_jon]

your welcome squire.

It is because you only get certificates when the cover is a legal requirement i.e employers liability and third party motor insurance