The laws regarding Car Insurance
in the United Kingdom.
During the 1930's the British Government introduced car insurance through legislation that required every person who used a vehicle on the road to have, as a minimum, insurance providing third party personal injury cover.
Since that time, the word "user" has been a important operative word. The original 1930 laws used the words "users of vehicles" to describe their subject. Since then the Road Traffic Act has been changed many times. But the word "user" continues and has a vital implication - as the "user of the vehicle" doesn't have to be its driver. Under British law, according to case law set by Elliot versus Grey (1960), your policy insures the 'user' rather than the 'driver'.
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After you buy your car insurance, the first document you'll receive will be a Cover Note. This is essentially a document that confirms your insurance cover for 30 days. Within those 30 days, you should receive your full insurance documentation, including the policy certificate itself. Keep all these documents in a safe place.
Apart from your Vehicle Registration Document, your car insurance certificate is your most important document. It proves that your car is insured and shows the policy number and name of the insurer. It also shows the car registration number, what uses the car is insured for (e.g. business or private use), who is insured to drive, what type of insurance cover you have (e.g. comprehensive or third party), the commencement and expiry date the cover. You will also need this insurance certificate if you chose to renew your tax disc at a Post Office. When renewing your tax online, your insurance status will be checked automatically now.