How to make an insurance claim

Published: 23 March 2012

If you ever have to make a claim, keeping your wits about you at the time will pay dividends when it comes to getting your claim settled quickly and fairly.

Your insurer will need to know this basic information: Date, time and place of the incident; details of the other vehicles involved; details of the police officer in attendance. Finally, round up the details of as many independent witnesses as possible, even taking a statement from them at the scene using the voice recorder facility on your mobile phone.

You will also need to tell your insurer as much as you can about the circumstances. If you can, take pictures of the scene and position of the vehicles. If your incident involves a foreign lorry ensure you obtain the registration number of both tractor and trailer units.

To avoid exaggerated claims from damage or injury being made against you, it is very helpful to your insurer if you can photograph any damage caused to a third party vehicle. If you have grazed a car driver's door with your mirror and there is barely a mark on the car, it would be very difficult for the driver to submit and justify a claim for a whiplash injury. Fraudulent  multiple claims for whiplash to 'phantom passengers' are common, so if possible, photograph the other vehicle identifying how many occupants are in it.

If your bike is stolen you will need to call the police right away. Chances are they won't be able to recover it, but they will give you the crime number you need for your claim.






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