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INSURANCE GUIDES / EXPLAINED

How to check insurance documents

A practical checklist for reviewing a certificate and schedule.

THE SHORT VERSION

A practical checklist for reviewing a certificate and schedule.

01 / THE DETAILS

Begin with the identity details

Compare the registration, vehicle, named driver and insurer name with the information you submitted. Pay attention to spelling and any restrictions in the schedule. If the vehicle or driver is wrong, contact the provider before driving.

02 / THE DETAILS

Check times and permitted use

The effective start and end date/time determine when you can rely on the policy. A document issued at one time may specify a different commencement time. Check whether the policy permits commuting, business use or other planned activities.

03 / THE DETAILS

Save the documents and contacts

Keep a digital copy in a location you can access without relying on an email search. Record claims and customer-service contacts from the policy. If something seems inconsistent, seek clarification from the insurer rather than editing the document yourself.

GOOD TO KNOW

Common questions

Is a payment receipt enough?

No. It confirms a payment event, not necessarily the issue or start of insurance.

What if a document contains an error?

Contact the issuing insurer or authorised provider and do not assume the mistake is harmless.