Involved In An Accident

What to do in the event of a claim

Take the name, address, telephone number, vehicle registration number, insurer details from the other driver along with contact information for any witnesses

Take down the location of the accident, i.e. road names, and if any property was damaged during the accident, note the address of that property. If you have access to a mobile phone or camera, take photos of the scene, resulting damage to all vehicles/property. If you do not have a camera available make a sketch detailing as much information as you can.

Do not admit fault or blame, or offer any payment without our permission. Simply advise that your insurance policy prohibits you from doing this without their permission. If you receive any correspondence from the other party’s insurer, please do not respond to it. You will need to inform your insurer, and forward it to them to respond.

If the accident results in damage to another vehicle, an animal or property, you are required by law to give your name, address, registration and the owners details (if different), and if you have your Certificate of Motor Insurance to hand, you should show this to anyone requiring this information. In the case of injuries to other persons, you must show your Certificate of Motor Insurance to the police or within 24 hours if you do not have it with you.

Who do I contact if I need to make a claim?

Please contact our Claims Helpline as soon as possible after the accident to report the incident on 0800 008 6709.

What happens if my vehicle is damaged as a result of an incident?

Your policy includes the reasonable cost of recovery after an accident or attempted theft if your car cannot be driven. Our Claims Helpline will arrange this for you and any costs will form part of your claim.

If your vehicle is repaired at one of our national approved repairers, they will supply you a courtesy vehicle for the duration of the repairs (subject to availability).

Upon collection of your repaired vehicle, and subject to you being satisfied with the repairs, you will need to pay your policy excess to the garage. This amount will be shown on your Schedule.

Will claiming for an accident affect my No Claims Discount?

Please refer to our No Claims Discount article for further information.

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