The Policy Contract

The policy booklet, any relevant information you have given your insurer, and the schedule make up your car insurance policy contract. The policy booklet outlines every detail of your car insurance, such as when you are covered and when not, and the general conditions that apply to this cover. Any information you provide to your insurer that is used to calculate your premium will also form part of the contract. This information includes: your age, driving licence type, driving and claims history. These factors are detailed in Factors Affecting Cost.

The schedule shows the level of cover you have purchased and refers to appropriate sections of the policy booklet to illustrate this level of cover. In addition to this you will also receive the Motor Insurance Certificate. This is the legal document that provides a brief summary of the cover received and proves the authenticity of your insurance policy.

For more information on the constituent parts of the policy contract see: