2.4 Temporary Cover and Cover Note

The problem: the gap between the agreement and the policy — the applicant's immediate need (the motor purchase, the voyage's start); the binding-before-the-document question. The cover note's craft: the temporary cover — the insurer's interim confirmation (the slip-or-note evidencing the cover's existence pending the policy's issuance); the cover note's content (the parties, the subject, the risk, the period, the provisional-terms faces); the legal effect (the binding cover's recognition — the temporary contract's enforceability); the expiry-and-conversion (the note's lapse-or-renewal; the policy's eventual issuance — the note's substitution). The practice's faces: the binder's system (the agent's authority to bind — Unit 6's intermediary link); the renewal-certificate's faces; the digital-era covers (the instant-electronic covers — the insurtech's practice); the Nepali practice (the motor-cover notes' world — the traffic-police's demand; the note's statutory recognition faces).