Below are some commonly used ShortTerm in the CDL notes(P37): PH β Policyholder ND β Named Driver UW β Underwriter DOB β Date of Birth MTA β Mid Term Adjustment COV β Change of Vehicle COA β Change of Address COD β Change of Driver COR β Change of Registration Plate AP β Additional Premium RP β Return Premium DD β Direct Debit NCB β No Claims Bonus POA β Proof of Address, could also be βPower of Attorneyβ in certain circumstances DL β Driving Licence (Also an SA Advisor initials) PC β Plastic Card Licence, could also be βPrivate Carβ depending on circumstance TOR β Time on Risk LMOAP β Left message on AnswerPhone VM β VoiceMail LL β Landline COB β Close of Business SOF β Statement of Facts S/C β Sort Code A/N β Account Number OS β Outstanding CC β Credit Card TP β Third Party POAC - Proof of alternative cover COO - Change of occupation