What to check in your case
Ask the insurer to confirm cover in writing at the precise time of the check. Include notices of a vehicle substitution or cancellation for non-payment.
Documents for your defence
Full notice or decision, front and back, and evidence of the date of service.
- Certificate and insurer's statement referring to the time concerned
- Proof of premium payment or policy amendment
Legislation and official sources
Information checked on 7 November 2026.