The word proviso is used in car insurance when referring to a special condition that must be carried out, or observed, by the insured party and is essential for the valid enforcement of the car insurance contract. A proviso is therefore a very serious condition and without the proviso being carried out the contract will not exist. You will recognize a proviso in a contract as the wording will often include the following words:  “…..provided always that…..” or “…unless…” or “If you do not fulfill the following conditions, your cover will be cancelled…” and then the provisos will follow.

Let us look at a few examples of Provisos:

• “We will keep your car insured provided that you supply us with true and complete information.”
• “We will keep your car insured provided that you use all reasonable care and take all responsible precautions to prevent or minimise loss.”
• “We will not keep your car insured unless you always keep us informed of any change of address where the car insured by us is kept.”

Taking note of all provisos in your car insurance contract is of the utmost importance as neglecting them can result in your claims not being met.