Cover Notes of Insurance out of the window?

[Dwight Vandriver]

The new Dwightmobile arrived before my old Car Insurance expired and with only a month left NFU required me to take out a 13 month Certificate instead of simple amend of Reg No to end of current Insurance 1 month ahead.

On the bits and pieces that arrived with the new Insurance was a note to the effect that because of MIB database no longer will Cover Notes of Insurance be issued at expiry of Certificate (used to allow 14 days to renew)and if premium is not paid before expiry date of Certificate then use beyond will not be covered unlike the old Cover Note scheme.

Whilst I can see the reasoning because of ANPR is this now universal with all Insurance Companies?. If so haven't seen it mentioned here and elsewhere.

Be warned,

dvd

Edited by Dwight Vandriver on Sunday 4th June 15:56

[zumbruk]

Dwight Vandriver said:

Whilst I can see the reasoning because of ANPR is this now universal with all Insurance Companies?

It's certainly the case with Sunninghill. My LR is with NFU, so I got the same letter you did.

[gilbertd]

Just renewed my motorcycle insurance and got a 14 day covernote until the replacement policy document is issued so it obviously isn't all companies.

[Dwight Vandriver]

Presumably you paid up front and they have issued C Note to cover whilst certificate proper is issued.

I am talking about those that leave renewal days after expiry date, then pay. Used to be allowed for 14 days provided you renewed with that company.

dvd

[moreymach]

So far as Im aware pretty much all insurers have removed the 14 day clause from their renewal letters.

Most of the policies we handle are automatically lapsed by the insurers if they dont receive confirmation of renewal within 5 days of the date due.