For how long must motor insurance certificates and cover notes be retained according to compulsory insurance regulations?

Motor insurance certificates and cover notes must be retained for 12 months according to compulsory insurance regulations. This requirement is in place to ensure that there is a verifiable record of insurance coverage, which is essential for legal compliance and can be referenced in case of any disputes or claims that arise during that period. Retaining these documents for a year allows for sufficient time to resolve any issues related to the insurance policy or incidents that occurred while the coverage was active. Keeping records beyond this period is often unnecessary for regulatory purposes, which explains why shorter retention periods, such as 6 months or even 2 years, would not meet the necessary requirements. Additionally, a 5-year retention period is excessive for compulsory insurance regulations that do not specify such a lengthy timeframe.