Making A Car Insurance Claim

Making a Car Insurance Claim

Understanding how to make a car insurance claim is crucial for getting the most from your policy. Whether you’ve been involved in an accident, your car has been stolen, or it’s been damaged by fire or vandalism, knowing the correct steps can help reduce stress and ensure your claim is processed efficiently. This guide walks you through the full process—from preparing to file, to tracking the outcome—so you can claim with confidence.

Before Making a Claim

The first step is to assess whether a claim is necessary and worthwhile. Review your policy documents to check what is and isn’t covered. Make sure your premiums are paid and up to date, and look for details on excess amounts, waiting periods, and exclusions. If the cost of repairs is close to or less than your excess, you may decide not to claim at all to protect your no-claims bonus.

It’s also important to confirm the specific type of incident you're dealing with is covered. For example, third-party only insurance won’t cover damage to your own car, while comprehensive insurance typically will.

What Documents You’ll Need

Insurers will request a range of documentation to support your claim. These usually include a completed claim form, photos of the damage or accident scene, third-party contact details (if applicable), a crime reference number if the vehicle was stolen, and any repair estimates or receipts. The more complete and clear your documentation, the faster your claim is likely to be processed.

How to Make a Claim: Step-by-Step

Once you’ve gathered the relevant information, you can begin the claims process. Most insurers now allow claims to be submitted online, over the phone, or through a mobile app.

1. Contact your insurer as soon as possible—ideally within 24 hours of the incident.
2. Provide a detailed explanation of what happened, along with all relevant evidence.
3. Fill out the claim form thoroughly, double-checking for accuracy.
4. Submit all supporting documents and keep copies for your records.
5. Note down your claim reference number and keep track of any updates from your insurer.
6. Stay in contact with your insurer to provide any follow-up information they request.

Common Reasons Claims Are Rejected

Not all claims are approved, and understanding why some are denied can help you avoid mistakes. Typical reasons include:

• Submitting a claim outside the required time window
• Failure to disclose previous damage or claims history
• Providing incomplete or inaccurate information
• Driving under the influence or without a valid licence at the time of incident
• Trying to claim for something not included in your level of cover

Direct Claims vs. Pay-and-Claim

Some insurers offer direct billing with approved garages, while others follow a pay-and-claim model. In direct claims, the insurer pays the repair centre directly and you only cover the excess. In pay-and-claim, you pay for the repairs up front and are reimbursed later by the insurer. Always confirm with your provider how the claim will be handled before proceeding with repairs.

Tips for a Smooth Claim Process

Here are some best practices to ensure your car insurance claim goes as smoothly as possible:

• Submit your claim promptly—delays can affect eligibility
• Double-check the accuracy of your documentation and statements
• Keep all correspondence and evidence related to the incident
• Maintain good communication with your insurer
• Consider installing a dashcam to support future claims