This is a general guide, not legal or insurance advice. Check your own policy, or take professional advice about your situation.
Dealing with car damage is stressful, and an insurance claim can feel like one more problem on top. Following a clear process and keeping good records makes it much easier. Here's a practical guide for UK drivers. Your exact cover depends on your policy, so always check its terms.
Step 1: Record what happened
If it's safe to do so, take photos of the damage and the scene, and note the time and place. Swap details with any other driver involved, and take the details of any witnesses.
Step 2: Tell your insurer promptly
Most policies require you to report an accident within a set time, even if you don't intend to claim. Check your policy and don't leave it late. Give your insurer the facts as you know them.
Step 3: Know what type of cover you have
- Comprehensive: usually covers damage to your own car, even if the accident was your fault, subject to your excess and policy terms.
- Third party, fire and theft or third party only: generally won't pay for damage to your own car if you caused the accident.
- Non-fault accidents: you may be able to recover your costs from the other driver's insurer.
Step 4: Understand your excess
Your excess is the amount you pay towards a claim. If the repair costs little more than your excess, a claim may not be worthwhile, particularly if it could affect your no claims discount. Ask your insurer before you decide.
Step 5: Choose your repairer
Your insurer may suggest an approved repairer, but you have the right to choose where your vehicle is repaired. Check with your insurer how this works under your policy, as it can affect things like a courtesy car or how the repair is paid for.
Step 6: Get an estimate and keep your paperwork
Your repairer can prepare an estimate with photos of the damage for your insurer. Hold on to everything: emails, estimates, invoices and notes of phone calls, including who you spoke to and when.
What insurance doesn't usually cover
- General wear and tear
- Rust and corrosion that wasn't caused by the accident
- Mechanical breakdown
- Damage that was already there
If your claim is refused
Ask your insurer for the reason in writing and check it against your policy. If you still disagree, use the insurer's complaints process. If you remain unhappy, you can usually take the complaint to the Financial Ombudsman Service, free of charge.
Need a repair in Wirral?
We work with all major insurance companies and can deal with your insurer directly. Send us photos of the damage and we'll take it from there.