Making a Claim
Making a claim if you're in an accident
If you're in an accident you should:
not admit at the scene that it was your fault
exchange names and other details with the other drivers and get details of any independent witnesses. If someone refuses to give you their details your insurer may be able to trace them through their vehicle registration number
tell your insurer about the accident straightaway, even if you don't want to make a claim
if someone is injured, show your insurance certificate or cover note to the police. If you can't do this at the scene take the documents to the police station within seven days
take photographs that you may be able to later use as evidence if you need to make a claim.
If you have comprehensive insurance
If you have a comprehensive policy you should claim from your own insurer, but you may lose your no claims bonus if the insurer can't recover the money from the other driver's insurer.
You can still claim from the other driver's insurer for any injuries or losses not covered by your own policy. These are called uninsured losses and can cover alternative transport while your own vehicle is being repaired, loss of earnings, personal injuries and the excess on your policy.
You should keep any losses to a minimum and keep evidence of them. If you need to hire another vehicle it should normally be similar to your own vehicle.
To make a claim, get a form from your insurer or write to the other driver or their insurer, giving details of the accident and the other driver's policy number. Tell your insurer about any independent witnesses and send them witness statements if you can. If you used a broker or agent to buy your policy they may be able to help you. Make sure you keep copies of all documents and letters.
If you have third party insurance
You should make a claim against the other driver and allow the insurer to decide who is responsible for the accident. If they say you are responsible you’ll have to pay for repairs to your own vehicle.
To claim from the other driver tell them in writing that you want to claim from them. If they were driving a company vehicle, also let the company know what's happened. You should tell your own insurer that you have done this. The other driver should report the accident to their own insurer. You can find out if the other driver has insurance by contacting the Motor Insurance Database
If you've been in an accident and you receive a letter or claim form from the other driver or their insurer forward this to your own insurer.