How to Make a Motor Claim
After an accident:
- Ensure everyone is safe and call emergency services if needed.
- Do not admit fault at the scene.
- Exchange details — names, insurance details and contact information with the other driver.
- Photograph everything — all vehicles, the road, and any damage.
- Report to your insurer within 24–48 hours (check your policy — late reporting can void your claim).
- Complete a claim form and submit all evidence.
- Loss adjuster inspection — a loss adjuster may inspect the vehicle before repairs are authorised.
Never repair your vehicle before the insurer has inspected it — doing so can result in your claim being rejected.
Saving on Your Premium
You can legally reduce your motor insurance premium by:
- Protecting your no-claims discount (even one claim can reset years of savings)
- Increasing your voluntary excess (you take on more risk but pay less upfront)
- Choosing a smaller engine size or a car in a lower insurance group
- Fitting approved security devices (immobilisers, trackers, dashcams)
- Parking in a garage rather than on the street
- Shopping around at renewal — loyalty rarely pays in insurance. Always compare at least three quotes.