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Guide

Car accident and insurance claim checklist

What to do after a car accident, what evidence to keep and how to start an insurance claim without relying on promises about fault.

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Two drivers exchanging details beside parked cars after minor damage

The short answer

Prioritise safety, follow accident-reporting requirements and notify your insurer as your policy requires. Keep accurate evidence and ask about repairs, excess and replacement transport before agreeing to arrangements.

At the scene

Stop and ensure people are safe. Seek emergency help where needed. GOV.UK explains duties to exchange details and when police reporting is required.

  • Record names, addresses, registrations and insurance information where possible.
  • Do not put yourself at risk to take photos.

Record what happened

Write down the date, time, location, weather and a factual account. Photograph damage and the scene only if safe, and keep witness details.

  • Keep any dashcam footage securely.
  • Avoid guessing fault or facts you do not know.

Notify the insurer

Use the insurer’s official claims contact. The policy may require notification even if you do not intend to claim.

  • Give the facts and claim reference.
  • Ask before authorising repairs or paying for replacement transport.

Managing the claim

Ask about excess, repairer choices, timelines and no-claims discount. A courtesy car or hire vehicle can have strict conditions.

  • Clarify whether you are signing a credit-hire agreement.
  • Keep receipts, correspondence and the insurer’s decisions.

Before you decide

  • Follow the official accident-reporting requirements.
  • Notify your insurer promptly under your policy terms.
  • Ask for written confirmation of repairs and transport arrangements.

Frequently asked questions

Do I need to report an incident if I do not claim?

Your policy may require notification. Check and contact the insurer.

Will a non-fault claim leave my price unchanged?

Not necessarily. Premiums and no-claims treatment depend on the circumstances and insurer.

Sources and further reading

Prepared by CompareDirect using the sources above. Policy eligibility, cover and claims depend on the provider’s current documents and your circumstances.

Before you buy

Our car insurance listings compare provider features and quote destinations, not personalised premiums. Check the exact product, eligibility, excesses and full terms on the provider’s website. Nothing here is a personalised insurance recommendation.

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