How to Make a Car Insurance Claim: Step by Step
Updated 16 October 2026 · 5 min read
Had an accident? Follow these steps to make a smooth car insurance claim and protect yourself from extra costs.
Key takeaways
- Stop, stay safe and swap details at the scene — it's the law.
- Tell your insurer promptly, even if you don't plan to claim.
- Collect photos, witness details and dashcam footage.
At the scene
If you're involved in an accident you must stop. Call 999 if anyone is injured or the road is blocked.
- Swap names, addresses and insurance details.
- Note registration numbers, time and location.
- Take photos of the vehicles and road.
- Get witness contact details.
Contact your insurer
Most policies require you to report an incident promptly, even if you don't intend to claim. Failing to do so may breach your policy terms.
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Watch out for claims firms
Credit hire and accident management companies may contact you. Check with your own insurer first — using them can sometimes increase costs.
After the claim
Your excess will usually be payable. Depending on fault, your no claims bonus may be affected at renewal.
This guide is general information, not financial advice.