Car Insurance Claims in the UK

If you are looking for information on how to claim or what to do in the event of an accident please visit your particular insurers website by following any of the links on this site.

An Introduction to Car Insurance claims and the claiming process

Fire, Theft and Accidental Damage Claims

The main objective of a motor claims department is to give the car insurance policyholder satisfaction where reasonably possible with due regard to his wishes concerning repairs, but this does not mean accepting responsibility for repairs not directly connected with an accident.

Claims Negotiation
The negotiation of a satisfactory settlement involves careful checking of repairers’ estimates and accounts, including possibly the workmanship and integrity of repairers not already known to the insurers. It also requires discussion with the policyholder about the work to be carried out and possibly agreement on contribution from the policyholder towards its cost where improvements to the vehicle (for example, replacement of worn tyres) or its performance may result from the repairs. A contribution would be called for if the inspection reveals that some of the damage to the car had occurred before the accident in question, or that corrosion had already taken its toll of the bodywork. If the previously damaged parts are replaced with new ones then the insured will be left, effectively, with a better car than he had before the accident and it is sometimes reasonable to expect a contribution from the insured.

Loss Adjusters and Engineers Inspections
Nearly all claims involving substantial damage to the insured car will be investigated by staff engineers, loss adjusters or independent claims assessors who will also scrutinise where necessary damage, repairers’ estimates and accounts on lesser car insurance claims.

Car Insurance Claims Frequently asked questions
What should I do if I have an accident
Where can I find an Accident Claims Solicitor
What is the role of the Motor Insurers Bureau
What are Car Insurance Claims?
How is the Claim Process controlled?
Fire Theft & Acident claims explained
What is on a Claim Form?
How do I know I'm if I'm covered
Why would a car insurance company deny liability?
What is an Insurable Interest
How do I go about getting the damage repaired?
What are approved repairers?
Who pays for towing charges?
What happens if my car is a write off?
Who decides my cars market value?
What was the World's worst car insurance claim?

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