NO! Insurers will always add restrictions/caveats to the DOC cover they provide – it’s not designed to cover a Bugatti Veyron!
As well as the Insurance Certificate, there are 3 other places you can look to see what cover is being provided under the DOC extension :
- The IPID (Insurance Product Information Document). This is a useful 2-page summary of the main covers and exclusions your policy provides, and insurers are required to make it available to you before, during and after you buy their policy.
- Here’s an example of what you should be looking for in the IPID :
- The Schedule. This is a document that accompanies your Certificate of Insurance and explains your cover in a bit more detail (they’re usually 2-4 pages long).
- Here’s how the same wording from the IPID above appeared in the Schedule :
- The 3rd place is the Policy Wording. This one’s not for the faint-hearted – they’re usually 20-30 pages long – but it is where you’ll find the most detailed explanation of the cover.
- Here’s the same example :
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