Policy documents
Difference between certificate and schedule
Certificate is legal proof you're insured. Schedule is the personalised summary of cover.
The documents provided depend on the type of insurance. For motor insurance, these documents have different purposes.
📜Certificate of insurance
The legal proof of cover. For motor cover, it identifies the insured vehicle, permitted drivers and use, and the period of cover. Check the details shown on your own certificate; the policyholder is not necessarily the registered keeper.
📋Policy schedule
Your personalised summary of cover. Lists named drivers, premium, excess amounts, add-ons, No Claim Bonus years, and any insurer-specific endorsements. This is the working document you'd refer to day to day.
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