Get your insurance to email you your new certificate.
2020 BMW 520d MSport Touring My Daily
2017 Dacia Logan MCV 1.5DCi Laureate Wifes
1996 Land Rover Defender 90 County SW 300TDi My Toy
2003 Ford Mondeo ST220 3.0 V6 My Other Toy
AA Insurance is finding that electronic insurance certificates, which have been legal since 30 April 2010, are not being accepted by motor dealers and sometimes even by Post Office staff.
Simon Douglas, director of AA Insurance, says the insurance certificate is today little more than confirmation that a vehicle is registered on the national Motor Insurance Database (MID), and the occasions when it needs to be shown are becoming rare.
"In most cases a certificate never needs to be produced. Tax discs can be applied for online, and the system automatically interrogates databases to check that your insurance and MOT are up-to-date," states Douglas.
"But we do recognise that not everyone has access to a computer, and others prefer not to undertake financial transactions online. And while they may want to receive their certificate electronically, they would still prefer to get their tax disc from a Post Office."
He advises printing the certificate on good quality paper, and setting the printer to its best standard too. "We have had one or two reports that a home-printed certificate has not been accepted at a Post Office counter. This is rare, but the answer is to make sure you don't compromise on quality when you print it and you can avoid the risk of that happening."
More worrying, according to Simon, is that many customers are reporting that garage staff have refused to accept a home-printed certificate, insisting on an original being supplied from the insurer. However, the Society of Motor Manufacturers and Traders, which had not issued specific guidance to motor retailers, is now doing so following the AA Insurance experience.
"Being prevented from driving away in your brand new car, just because the salesman won't accept a legal document, is extremely frustrating," Douglas points out. "The SMMT's intervention to make the motor trade aware that electronic certificates are legal is very welcome."
Simon added that customers are welcome to request a printed certificate by post.
AA electronic car insurance certificates
AA customers are now being invited to accept all their insurance documents online – although they can continue to receive them by post if they prefer. To print a certificate, a customer must open a secure password-protected website from where they can access the same high-definition PDF of their insurance certificate that is used by the AA to print a postal certificate.
The AA advises customers to set their printer to the highest quality possible and to use a good-quality white paper. This should avoid any concerns that car sales staff or others might have about the validity of the document.
Cars in my care:
2021 Kia Spottage 1.6 Pez Turbo Dual Clutch Gearbox Trickery
2013 Renner Twingo - donkey work
Thanks, guys - I've managed to get an 'electronic copy', transferred to sod-the-environment paper on the sod-the-environment laser printer down the corridor.
(I pity the Post Office Counters staff if they want to tell Mrs Doggy it's not good enough).
2002 HDi 2.2 Exec Estate, (2008-12) (wonderful)
2003 HDi 2.2 6-speed Exec Estate (2012-19) (also a gem)
2009 Citroen C5 2.0 HDi VTR+ Estate (godawful heap)
2008 BMW E91 330i touring (great fun - murdered by a reversing SUV)
2007 BMW E91 325i touring (slower smoother quieter)
2020 BMW 520d MSport Touring My Daily
2017 Dacia Logan MCV 1.5DCi Laureate Wifes
1996 Land Rover Defender 90 County SW 300TDi My Toy
2003 Ford Mondeo ST220 3.0 V6 My Other Toy
As mine passed its MOT on Tuesday, I am now the posesser of the cheapest, nastiest looking MOT ''certificate'' ever printed by human kind. Basically it seems to be pointless having it at all.
1999 HDI 110 GLX Estate Sold On at 230,000 miles to the lucky John
2003 HDI 110 Rapier Estate
1998 D8 1.9XUD Estate LX 7 seater Estate sold, with regret
1999 306 1.8 petrol.
They recommend to assume the MOT 'certificate' is fake when looking at a second-hander and to go on-line to check there (great when viewing a car and all you've got is your poxy smart phone)
Cars in my care:
2021 Kia Spottage 1.6 Pez Turbo Dual Clutch Gearbox Trickery
2013 Renner Twingo - donkey work