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Q. A report has appeared in our local paper concerning
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a haulage contractor fined for not having the required third-party insurance on his vehicle when infect he had paid his premium sometime before. In this case was not the insurance company at fault for not issuing or sending a cover note or certificate of insurance?
A Under the Road Traffic Act 1960 a certifi
cate of insurance or a cover note is not valid until it is in the hands of the insured person. In the case you mention it is most likely that. the contractor did not have a cover note or certificate in his possession and while some blame may be attached to the insurance company for not sending one, the insured should have taken steps to obtain one.
Under this section of the Act conviction can result in driving licence endorsement and disqualification besides the consequences of any claim while uninsured.