How do I tell my insurance provider about an accident?
Give your insurance provider a call – some of them have dedicated claim lines. Make a note of what you want to say, it’s all too easy to forget when you’re recollecting what happened.
You’ll probably be asked to complete a claim form detailing the accident. If you’ve got any photos, these are good to include – it’ll back up your statement and show first-hand any damage.
You may be asked to have your car repaired in an approved garage so it’s important to wait until you’ve spoken to your provider. Getting your car fixed in an unapproved garage could mean your insurance provider decides not to pay out.
If you decide you don’t want to make a claim, make this explicit, in this instance it’s worth reinforcing this message in writing. Send them a letter or email making it clear that the details you’re providing are for information only.
Most insurance providers will expect to be told of an incident within a ‘reasonable’ time. What’s deemed reasonable will be written in your terms and conditions, it varies between insurance provider, it could be two days or two weeks – so double check. Failing to notify them in good time could invalidate any claim you try and make.