Cars & Transport guide

Make a car insurance claim step by step

Report an incident to your insurer, gather evidence, understand your excess and no-claims discount, and follow a car insurance claim through to the end.

Time needed: a few weeks, 1–2 hours of your timeUpdated: 28 September 2026

After an accident, theft or damage, the claim process can feel slow and confusing. Knowing what your insurer needs and keeping good records makes it smoother and fairer. This guide takes you from the first phone call to settlement.

Step by step

  1. Make sure everyone is safe

    If anyone is injured or the road is blocked dangerously, call 999. Exchange details at the scene as required by law, and report to the police within 24 hours if you could not.

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