It is the practice by many insurers to issue a short form certificate instead of writing a whole new policyLegally binding contract effecting insurance or certificates thereof, including all clauses, riders, endorsements and renewals. More to replace an expiring one. This form is the renewal certificateIt is the practice by many insurers to issue a short form certificate instead of writing a whole new policy to replace an expiring one. This form is t... More and contains references to the original policyLegally binding contract effecting insurance or certificates thereof, including all clauses, riders, endorsements and renewals. More rather than repeating its complete terms.

See also Renewal.