Driver Hub  Driving advice  Top tips   How do I make a car insurance claim?
I need to make a claim on my car insurance. What do I do?
We Are Marmalade profile

We Are Marmalade

January 10, 2018

Driving advice News 3 min read

First things first, we hope you’re ok. Car accidents can be a scary and traumatising experience, and you may still be in shock from the incident.

If you’ve recently been in an accident, and you need to make a claim on your insurance, the last thing you want to be worrying about is how to do it. To help, we’ve put together a list of points to make the process as smooth as possible, from the moment the accident happens to making the claim itself.

Straight after the accident

No matter what has happened, if there has been an incident you do need to stop your car and turn off the engine. Make sure your hazard lights are on and check the safety of yourself and your passengers.

Emergency services

It goes without saying, if you or your passengers are injured then you should call an ambulance. Alert the police, if you are blocking the road with your vehicle, or if you believe the other driver is under the influence of drugs or alcohol. If it is just a small incident, you should notify the police within 24 hours, using the non-emergency number: 101

Exchanging details

You must leave your details with the other driver involved in the accident. You will need to exchange:

  • Name, address and contact number
  • Car registration
  • Insurance details
  • Names of passengers

If you can, take pictures of the scene and show damage after the accident. This will help in supporting the claim on your insurance.

Don’t worry – you don’t need to call your insurer from the scene of the accident. They would prefer you were safe and out of harm’s way before contacting them. You will need to get in touch with your insurer within 24 hours though, so don’t leave it too late.

What to do

  • When you call your insurer after an accident, they will ask if you wish to make a claim on your policy. If you do, you will be sent a claim form to complete and return.
  • If your vehicle is damaged, a claim assessor will review your vehicle and estimate the cost of repairs, you will then be given a list of approved garages that can repair your car. If you repair your car before this, your insurer may not be able to pay out for the costs.
  • If your vehicle is written off, your insurer will pay out a sum equal to its value before it was damaged.

What to avoid

  • If it costs less to repair your car yourself, than it would to pay the excess, it may be worth not claiming for the repairs.
  • Remember – even if you decide not to make a claim, you still need to notify your insurer of the accident.

No claims discount

Your no claims discount is the number of years you’ve accumulated without having to make a claim. When you make a claim, you will lose all or part of your NCD.

Even if your NCD is protected, or you decide not to make a claim, your renewal price may still increase. This is because once you are involved in an accident, it’s statistically more likely to happen again.


We really hope that if you are in the process of making a claim, that everything goes smoothly and you are back on the road soon. It’s natural to feel a bit nervous getting back behind the wheel after an accident, so take things at a pace you’re comfortable with, and we’re sure you’ll be absolutely fine.

We’ve loads of helpful tips about dealing with anxiety, so hopefully that will help too!

We Are Marmalade profile

By We Are Marmalade

'We champion young drivers with award-winning low cost insurance for learner and new drivers and a great young drivers' car scheme.'  See more posts by We Are

Share this article

Leave a Reply

News 6 min read

10 of the world's most bizarre driving laws

Holly West-Robinson profile

Holly West-Robinson

September 13, 2017

The laws in some countries do make you wonder what an earth they were thinking when they came up with such unusual motoring regulations!Read more

Owning a car 3 min read

How to replace a headlight bulb

Chloe Martell profile

Chloe Martell

November 27, 2018

You’re driving along, and you realise your headlight has gone – damn! So what do you do? Pay over the odds for a garage to fix it? Call your Mum in a panic? You could…Read more

News 4 min read

Alternative ways to celebrate bonfire night

Chloe Martell profile

Chloe Martell

November 9, 2018

Remember remember the fifth of November – oh how we Brits love nothing more than standing out in the freezing cold, holding a sparkler, and watching the neighbours fireworks (because we were too busy and…Read more