How to Make a Car Insurance Claim
Updated Sep 18, 2026 · Daniel Moreau · 6 min read
Report quickly, gather evidence, and keep a record of everything.
What this article covers
Making a claim can feel stressful, but the process is easier if you are organised.
Most insurers want to hear about incidents promptly, even if you do not end up claiming.
Gather information
- Photos of damage and the scene
- Other driver’s details and insurance
- Witness contacts
- Police reference number if applicable
Report to your insurer
Call or use the online claim form. Give accurate facts and avoid admitting fault at the scene.
Repairs and assessment
The insurer may send an assessor or ask you to use an approved repairer. Ask about guarantees and courtesy cars.
Keep records
Keep copies of emails, notes of calls, and receipts. See our claim timeline guide for what happens next.
Things that can slow a claim down
Late reporting, missing photos, and inconsistent accounts are the most common reasons claims take longer. So is uncertainty over who was at fault, especially without witnesses or dashcam footage. Answer the insurer’s questions promptly, keep your story factual, and tell them if anything changes, such as new injuries appearing days later. If another driver’s insurer contacts you directly, refer them to your own insurer.
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.