These days, most insurance providers will store your insurance documents online and only provide you with a paper copy on request. This makes a lot of sense, saving on printing and postage costs and preventing trees from being cut down to provide the paper. However, there are times when you need to take a look at your policy documents, in which case you will most likely need to access them online.
In most cases, your insurer will provide you with an online account that allows you to access your documents online. This will typically occur when you take out your policy and you will be sent an email with a registration link. You will be asked to provide a username and password. The requirements for these vary from one insurer to the next, but as a general rule you should go for an easily remembered username, such as the first half of your email address, and a password that is not too easy to guess.
Once you have registered, you will be able to view, download, and print your documents online, although you may need to install Adobe Reader in order to do this. Even if you requested that paper documents be sent out to you, you will still have this option available.
Having your documents online keeps them safe, prevents you from losing them, and allows for adjustments to be made instantly. So, for example, if you were to add an additional component to your car insurance, such as car hire cover, then your documents would be instantly amended to reflect this, and this ensures that your documents are always current. When your policy is amended or replaced, the old documents are still available, which allows you to view the history of your insurance policy.
If you cannot remember your login details, and you cannot access your policy documents as a result, you should contact your insurer by telephone, or email if it is less urgent. After a quick security check, you will be given replacement login details that will enable you to access your documents online.
Once you have set up an account, the insurer will email you when your policy documents become available, and will also email you if any changes are made to the policy.
If you have registered to view your policy documents online, but you are still waiting for the email to let you know that your documents are ready to view, then the insurer may still be preparing them and will let you know in due course. However, there is a chance that the email could have fallen foul of your spam filter, so check to see if the email is in your spam folder before contacting the insurer. If it has been a reasonable length of time, and the email has not appeared in any of your email folders, then it might be worth contacting the insurer directly to ask about your situation.
This information was provided to you by Allianz Your Cover (www.yourcoverinsurance.co.uk).