How to get your car insurance claim right

Making a car insurance claim varies according to the circumstances and the car insurance provider. Follow these simple rules to ensure the process runs smoothly, and, hopefully, is resolved quickly.

How do I claim on my car insurance for an accident that wasn’t my fault?

Report the incident as soon as possible – if your car insurance company has a 24-hour hotline, use that – and ask for a reference number. Car insurance claims don’t have to be a headache as long as you follow the right procedure.
Ask your car insurance company what documents they will need to support your car insurance claim and be sure to keep a copy of all certificates, receipts and correspondence that relate to your claims.

How do I claim if the other driver disputes the circumstances of the accident?

Follow the above steps to ensure you have gathered as much evidence as possible.
While insurance companies will do everything they can to defend your position, if the evidence is not there, the parties involved may have to share the costs. If this happens, your insurance provider will do its best to get the most satisfactory settlement with the other driver’s company. Remember, it’s in your insurer’s interest too.

How do I claim if my car is stolen? Or if my vehicle contents are stolen?

Be sure to report a stolen vehicle to the police straight away – you will need a crime reference number for your insurance company.
Then follow the above steps to ensure you have as much evidence as possible in relation to your claim.