Policy schedule

The schedule is the personalised half of your policy: the wording sets out the general terms, but the schedule records the specifics that actually decide your claims — the insured value and value basis, every excess that can apply, the regular and occasional drivers, the declared use, the address the car is rated and parked at, and any conditions such as a required tracker.

Reading it at inception, not after a loss, is the single most valuable habit a policyholder can have. The overwhelming majority of "the insurer would not pay" stories trace back to a detail that was always on the schedule — an unlisted driver, the wrong overnight address, a use class that did not match real life — but went unread until a claim exposed it.

Treat the schedule as a living document. Tell your insurer when the facts change — a new main driver, a move, a shift from garage to street parking, added accessories — and get an updated schedule each time, because the version on file at the moment of a loss is the one that governs.