Provisional Coverage: What Does It Mean?

Provisional Coverage: What Does It Mean?

From the moment a car is in your name, you are required to insure this WA. This means that you should be insured for the damage you cause to your vehicle to others. Additionally, you can then opt for an airframe or additional insurance. After submitting the (online) application for car insurance, the insurer will issue a temporary cover. But what is it exactly, and the insurance then entered final?

Applications Car Insurance

If you know when the car is overwritten in your name, you can request an auto insurance. You give during the application (online or offline) when the coverage would have to go in. This is the date when the vehicle is put in your name. The car insurance company then gives temporary cover for your car. This does not confess that the car thus is definitely assured.

Provisional coverage

A temporary cover means that you are assured until the final insurance accepted by the insurer or denied. You are then actually temporarily assured and you can also just up the road. The insurer will send you a message with the confirmation of provisional coverage. If you have not received this confirmation? Question is always a moment and do not go without this confirmation on the road.

Final coverage

In most cases you will receive upon completion of the request an application form or request document that you need to fill, check and sign. If the insurer accepts the real car insurance policy will be made and the insurance definitively closed.

An insurer may refuse the application or only to the acceptance under certain conditions. This can have several reasons such as:
  • In the application you provided incorrect data or you have issues that are of importance concealed from the insurance;
  • You have a negative accident record and therefore a negative number of years without claims;
  • You want to ensure a particular type of car for which the insurer sets additional security;
  • You have completed earlier insurance, but this is by example, default or deception disbarred by the relevant insurance company.


Damage during temporary cover

Is there damage caused during the period of provisional coverage? If the insurer accepts your request, there is nothing to worry about and you just secured. But if it appears that the insurer refuses your request, the damage in most cases will not be compensated.

Source:  http://www.verzekering.nl/2015/10/21/voorlopige-dekking-wat-betekent-dat/
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4 comments:

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