Graeme wrote:

Or arrive with a policy, or a schedule,
but not a certificate.

Ah yes, the drooling retard counter clerk's favourite. One is expected
to know that the piece of paper must have the word "certificate" printed
on it. All else is irrelevant. One may well have a document which gives
an insurers reference, details of cover, proof of payment and a full
description of cover, limitations of cover and period of insurance but
without that word "certificate" the droid behind the coutner will do
nothing.

The last think they will think fo doing is explaining themselves. They
will simply push the forms back and grunt.