What to do if you have an accident

Car Insurance

As we all know accidents can and do happen. If you are one of the unlucky ones and are involved in an accident you need to know what your responsibilities are.

Immediately after an accident


Whether you are involved in a small bump or a major accident you must stop. It is an offence under the Road Traffic Act not to stop following an accident.

Make sure that you turn your engine off and put your hazard lights on. You must make sure that other road users are aware of the accident. You must also make sure that you and any passengers are in a safe place while you wait for assistance.

Call the emergency services

If anyone has been injured in the accident you must call the police, as well as requesting an ambulance at the same time.

Provide your details

As soon as you are sure the emergency services have been called you must ask for details of any other people and vehicles involved. This also includes any witnesses to the accident. You are also obliged to give your name and address to any other people involved.

If you have an accident and no one else is involved you must still stop and leave your details. For example, if you hit a stationary object, such as a parked car you must leave your details at the scene.

Collecting details after a car accident

The following details should be taken from any drivers, passengers and witnesses:

  • Name
  • Address
  • Contact number
  • Insurance details
  • Vehicle registration number
  • Take pictures of the scene if possible

It is important not to admit liability or offer to pay for any damage which is a result of the accident.

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We’re currently experiencing a high volume of calls into our contact centre and whilst we are doing our very best to maintain service levels, we ask that you only call our contact centre if absolutely necessary so we can keep our phone lines available  for vulnerable customers and those who don’t have access to online services.

If you need to check any details or make a change to your policy, please  log in to your Self-Service Centre. It will be much quicker for you to make changes to your policy online at the moment. Once logged in, you can also use our Webchat service which is available Monday- Saturday 8am-6pm and Sunday 10am-4pm to make changes, accept or decline your renewal or if you need to let us know about a claim. To log in, please click here.

We also have some other information that may be useful. Click here to read our FAQ’s, and information on what we are doing to support key workers can be found here.