Apr 2, 2012

Required Car Legal Documents

Failing to produce an insurance policy is a legal offense and can lead to penalties like :
Prosecution : If you do not furnish the documents within the stipulated time period, you can be prosecuted in a court of law.
Issuing an HORT/1 : HORT/1is a notice issued to drivers when they are unable to produce the car insurance policy and their driving license. Once the producer or HORT/1 is issued, the driver can produce the required documents within a week at the police station.

Required Car Legal Documents: Besides a valid car insurance policy, the driver must possess other legal documents like a certificate of insurance, cover note and a driver’s license.
Certificate of Insurance : A legal document issued by a car insurance firm or an independent car insurance provider. It proves that the insurance document is in effect. The document summarizes the coverage type, insurance benefits and the names of those insured. It also includes the date and time when the certificate will come into effect.

Insurance Policy : A written contract between the insured and insurance company. It includes the car insurance plan, its coverage, exclusions, benefits, terms and conditions, expiry dates and rates assessed.


Driver’s License : A legal document that permits driving a vehicle on public roads. It is obtained after passing a driver’s test.
Cover Note : It is a certificate issued by a car insurance company giving the insured a provisional insurance policy until the issuance of the actual policy. The cover note becomes invalid when you obtain your car insurance policy.

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