Policy Wording

Read this wording together with your policy schedule.

This wording forms part of your policy documents and explains the general terms that apply to temporary motor cover arranged through CoverInstantly. Keep it with your certificate, policy schedule, statement of fact and Insurance Product Information Document.

Documents to read together

• Certificate or cover note showing the insured vehicle, driver and policy period.
• Policy schedule containing policy-specific information.
• Statement of fact or proposal information supplied during the quote.
• Insurance Product Information Document summarising key benefits and exclusions.
• The insurer-issued policy wording containing the complete contractual terms.

Words with a specific policy meaning

Defined words such as you, your vehicle, period of cover, authorised driver, excess and territorial limits have the meaning given in the insurer-issued wording. Read those definitions before relying on any section.

Information must remain accurate

Cover is subject to the insurer accepting the driver, vehicle, intended use, licence information, claims history, convictions, modifications and policy period. Incorrect or incomplete information may affect cover, claims or policy validity.

Cover only applies between the stated times

The policy starts and ends at the dates and times shown in the issued schedule or certificate. A completed quote or payment attempt does not by itself confirm cover. Do not drive until the policy has been issued and the details are correct.

Temporary comprehensive motor cover

Where shown in your schedule, the policy provides temporary comprehensive motor cover for the insured vehicle during the stated period. This normally includes third-party liability together with accidental-damage, fire and theft protection, subject to the excess, limits, eligibility rules and exclusions shown in your policy documents.

Situations where cover may not apply

Typical policies contain exclusions relating to unauthorised drivers, incorrect use, driving outside the policy period or territorial limits, alcohol or drugs, deliberate acts, racing, hire or reward, undeclared modifications, insecure vehicles and failure to comply with policy conditions. This list is not complete; use the insurer-issued wording.

Follow the claims instructions promptly

After an accident or incident, make the scene safe, contact emergency services where required, collect relevant details and follow the claims telephone number and reporting instructions shown in the policy documents. Do not admit liability or negotiate a settlement without the insurer's agreement.

Temporary-policy cancellation rights may be restricted

Your cancellation rights depend on whether cover has started, the duration purchased and the terms shown in your schedule and terms of business. Any applicable refund, administration charge or restriction will be explained before cancellation is completed. Short-duration policies may have limited cancellation rights once cover has begun.

How to raise a complaint

Contact the Customer Resolution Team with your name, policy number, vehicle registration and a clear description of your concern. We aim to acknowledge complaints promptly and provide a final response within the time limits set out in the complaints procedure supplied with your policy.