Frequently Asked Questions

Please note that the following information is only a guide and not a legal opinion - please call us on 0844 412 2127 if you are unsure about anything. Calls to our 0844 numbers cost 5p/min from a BT landline, set up fees may apply and network charges may vary. Calls from mobile phones may be considerably more.

1. What should I do in the event of an incident?
2. Do I need to report incidents if I don't intend claiming?
3. Do I need to report incidents to the police?
4. When do I have obligations in the event of an accident?
5. What are my obligations in the event of an accident?
6. Can I arrange to have my vehicle repaired anywhere I want?

1. What should I do in the event of an incident?

In the unfortunate event that you become aware of any accident or loss involving the insured vehicle, or of any other incident which may lead to a claim by you or a third party, please report the incident to us as soon as reasonably possible, using the claims telephone number printed on your Certificate of Motor Insurance (see Contact Information). Our friendly advisors will assist you and tell you what to do next.

2. Do I need to report incidents if I don't intend claiming?

You should report all accidents, thefts, attempted thefts, fire and malicious damage incidents, even if you are not going to make a claim against you car insurance.

3. Do I need to report incidents to the police?

Vehicle theft, attempted theft and malicious damage incidents must be reported to the police within 48 hours. Please note the crime reference number as it will be required when you notify us of the incident.

Report any accident involving injuries, or where the other driver does not stop, as soon as possible.

4. When do I have obligations in the event of an accident?

If any of the following occurs (even if you weren't involved, but the presence of your vehicle on the road may have been a factor in the accident)

• Any person other than yourself is injured
• Damage is caused to another person's vehicle or property
• An animal is killed or injured (e.g. dog, horse, cattle, etc)

5. What are my obligations in the event of an accident?

Stop at the scene for a reasonable period of time Give the following details to anyone who is reasonably entitled to ask:

Your name and address

Vehicle registration number and registered owner's details You must produce your Certificate of Motor Insurance if any person other than yourself is injured

If you do not follow the above, the accident must be reported to the police within 24 hours.

6. Can I arrange to have my vehicle repaired anywhere I want?

If you have comprehensive car insurance cover, you will usually be advised to take your vehicle to a repairer recommended by your insurance company, which may avoid you having to get additional estimates. This also usually speeds up the repair process. In addition, many recommended repairers can provide you with a courtesy car while yours is being repaired.

Note that the cost of repairs is your responsibility until your car insurers have agreed to pay.

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