Claims Procedures

This is not meant as a definitive guide so feel free to contact our office for individual issues; but there are some common misconceptions and also some simple steps you can do to ease the procedure if you are unfortunate to be involved in an accident.

• Stop immediately at the nearest safe position
• Do not admit liability for the accident. This does not mean ‘deny’ liability. This is an issue for your insurer’s to decide
• If anybody has been injured in the accident, the police should be notified. The police should also be notified of injury caused to animals such as dogs, horses or farm animals.
• You are under a legal obligation to provide any person who may reasonably require the information with your own name and address, (as well as the name and address of the vehicle owners if this is different). You should also provide your insurance details (i.e Name of insurer, policy number)
• You should obtain the name and address of all others involved in the accident, together with details of the vehicle owner(s) and the name, address and policy number of their insurer(s). They are also under a legal obligation to provide this information to you. If possible, also obtain the insurance broker’s details and telephone numbers for all parties concerned.
• Your insurers will require that you report any accident to them, even if you do not feel that you are responsible. Contact numbers are on the next page.
• If you feel the accident was not your fault and you have purchased Uninsured Loss Recovery, you should contact them also.
• If you have purchased ‘Guaranteed Car Hire’ cover contact them if there are any instances where the claims procedure leaves you without a vehicle. (Subject to level of cover purchased)

	COMPREHENSIVE COVER	THIRD PARTY FIRE & THEFT COVER
ACCIDENT – Non- Fault	If your vehicle is driveable your insurance company will make arrangements for one of their ‘approved repairers’ to contact you to book your car in for repairs. If your insurer offers a courtesy car the garage will provide this for the duration of the repairs only. You may opt to use your own garage and there is a different procedure but your courtesy car will not be provided under the terms of your policy. You will be required to pay the excess on your policy when your repairs are completed. The excess, together with any other uninsured loss (injury, additional costs etc) should be forwarded to your Uninsured Loss Recovery company for them to attempt recovery from the third party.	If the third party insurance company does not offer to repair your vehicle, you will need to make a claim against them using your Uninsured Loss Recovery purchased with your motor insurance.
ACCIDENT-   Fault	If your vehicle is driveable your insurance company will make arrangements for one of their ‘approved repairers’ to contact you to book your car in for repairs. If your insurer offers a courtesy car the garage will provide this for the duration of the repairs only. You may opt to use your own garage and there is a different procedure but your courtesy car will not be provided under the terms of your policy. You will be required to pay the excess on your policy when your repairs are completed.	No cover for your vehicle
THEFT-  Recovered Damaged	If your vehicle is driveable your insurance company will make arrangements for one of their ‘approved repairers’ to contact you to book your car in for repairs. If your insurer offers a courtesy car the garage will provide this for the duration of the repairs only. You may opt to use your own garage and there is a different procedure but your courtesy car will not be provided under the terms of your policy. You will be required to pay the excess on your policy when your repairs are completed.	Same as Comprehensive
THEFT-  Un-recovered	Your insurer will request all relevant documentation for your vehicle in order to make a fair market value offer (MOT certificate, logbook etc). It may also be worth supporting your claim with evidence of purchase receipt and examples of similar vehicles for sale. You will not be entitled to a courtesy car unless you have purchased Guaranteed Car Hire cover.	Same as Comprehensive

If you have had a claim and need to contact your insurers CLICK HERE