Every insurance policy includes a myriad of
conditions, from the obvious to the arcane. Policy documents
list these restrictions and drivers should be aware of them.
Policies vary, but common restrictions include limits on how
much the insurer will cover - usually up to a certain maximum,
perhaps £40,000, but no higher, regardless of the value of the
car damaged. Most policies restrict who you may transport - no
acting as a car for hire, for example - or what you may
transport - no hazardous materials. Should you need to cancel
the temporary cover, most insurers offer no refund. Drivers
forfeit the premiums they've paid, though to be fair, these sums
are usually small given the limited coverage timeframe.