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A practical starting guide to UK private-car cover, what policies protect, what insurers ask and how to compare the details.
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Car Insurance Claims: What to Do After an Accident
A practical checklist for recording an incident, notifying the insurer and understanding the claims process.
Key point: After a collision, prioritise safety, exchange required details and follow the insurer’s notification instructions. Report incidents even if you are unsure whether you will claim, in line with policy terms.
Before you choose
Compare the policy schedule, wording, excesses, exclusions and permitted use—not price alone.
Explore the car insurance hub →Car Insurance Claims: What to Do After an Accident: what to know
At the scene, stop safely, check for injuries and call emergency services where needed. Exchange names, addresses and registration details when required; record witnesses and photographs if safe. Do not admit liability at the scene. Notify your insurer promptly and follow its process. GOV.UK says an accident involving damage or injury must be reported to the police within 24 hours if you did not give your details at the time; check official guidance for the exact circumstances.
Questions to ask an insurer
- Does the policy cover the exact driver, vehicle and use I have described?
- What excess applies to each relevant claim type?
- Which exclusions, limits and conditions could affect a claim?
- Are any benefits optional, restricted or subject to availability?
Practical comparison checklist
- Use accurate details for drivers, address, vehicle, mileage and purpose.
- Compare equivalent cover levels and optional benefits.
- Check excesses and whether you could afford them.
- Read the policy wording and retain the schedule and insurer confirmation.
- Ask the insurer or a regulated broker if your circumstances are unusual.
This guide is general information, not personal financial advice or an insurance quote. Cover, eligibility and price depend on the individual insurer and policy. Verify important details directly with the provider and consult official guidance where legal requirements apply.
Car Insurance Claims: What to Do After an Accident FAQs
Should I tell my insurer if I do not claim?
Policies commonly require incident notification; follow your policy wording and report promptly.
What details should I collect?
Names, contact details, registrations, location, witnesses and safe photographs can help.
When should I call police?
Follow the legal reporting rules and call emergency services where immediate danger or injury requires it.