There’s more to making an insurance claim than filling out a form. We’re here to help you understand your car insurance, so you know exactly what to do in the days and weeks after an accident or collision.
Being in a car accident is traumatic, but you should try to stay calm and take some basic steps to make sure any subsequent car insurance claim goes smoothly.
There are a few things you need to do straight away:
After you’ve provided initial details, you’ll need to fill in an accident report. Your insurer might ask you to take your car to an approved garage to assess the damage too.
Make sure you pay your excess as soon as you're able to. Your insurer can’t progress your claim without it, so it’ll take longer to get you back on the road.
According to the ABI, over £23 million was paid out every day by car insurance providers in 2018 - the highest on record. It’s never been more important to get clued up on how to make a claim
Third party, fire and theft insurance will cover damage caused by fire when the situation is beyond your control. For instance, fire caused by a collision that isn’t your fault, if the car is hit by lightning, or there’s an explosion
Comprehensive car insurance will also cover damage caused by fire, but it will come to your aid if the fire was unintentionally caused by you, for instance, if a collision was your fault