Introduction
When you buy or renew car insurance, you might notice two documents being issued: a cover note and a full policy. Many drivers panic when they only receive the cover note first, thinking they don’t have complete protection. But the truth is, both serve different purposes. Let’s break down the differences so you’ll know exactly what each document means for your coverage.
Comparison Table: Cover Note vs Full Policy
| Aspect | Cover Note | Full Policy |
| Validity Period | Temporary (usually 7–30 days) | Full insurance term (1 year) |
| Purpose | Proof of active insurance while waiting for full policy | Official document of full insurance coverage |
| Details Included | Basic information only | Comprehensive details including terms, exclusions, NCD, add-ons |
| Usage | Allows immediate road tax renewal | Main reference for claims & coverage |
| Issued By | Insurer or platform (e.g., Bjak) | Insurer |
Why a Cover Note is Issued
- Provides immediate proof of coverage while the full policy is being processed.
- Ensures you can renew road tax right away without delays.
- Useful when buying insurance close to expiry, on weekends, or during public holidays.
The Full Policy: Your Main Insurance Document
- Contains complete details: coverage amount, NCD, terms, exclusions, and add-ons.
- Required for any claims you may make.
- Must be kept safely for the entire policy period as the official proof of protection.
Frequently Asked Questions (FAQ)
1.Can insurance claim be made using only covernote?
No. The cover note is temporary proof only. You need the full policy to make a claim.
2. How long is a covernote valid?
Valid up to 12 months. But you can always inquire for the Full Policy.
3. Can I renew my road tax using only a cover note?
Yes. JPJ recognizes cover notes as valid proof of active insurance for road tax renewal.
4. Got my full policy days later, why?
Delays due to non-working days such as weekends, public holidays or additional verification required by the insurer. But you’re able to receive it within 1-3 working days or upon request.
5. What should I do if my cover note expires but I haven’t received the full policy?
Contact your insurer or platform (such as Bjak) immediately to obtain your full policy. Don’t drive without valid documentation.
Conclusion
The key difference is simple: a cover note is temporary proof, while the full policy is your official contract of protection. So if you only receive a cover note at first, don’t worry — the full policy will follow soon after.
Read More:
Save, Simple & Compare: A Guide to Renewing Online
