We have compiled a handy quick-read guide detailing the information insurers will need in the event of a Motor Claim, Property Claim or Injury Claim being made.

Motor Claims

If one of your vehicles is involved in an accident, it can be advisable for your driver to report the incident directly to insurers. If this is the case we will provide your insurer’s claims notification number and your policy number so the details of the incident can be reported over the phone quickly, easily and avoiding the need to fill out a claim form. The following information will be needed to report the matter:

  1. The date and time of the incident and a description of what occurred.
  2. Who the driver was at the time of the incident, and the vehicle registration number.
  3. Details of any other people involved in the incident, including witnesses (if available).
  4. Photos taken (if possible before any vehicles are moved) showing the scene and the damage to vehicles.
  5. Confirmation of whether the vehicle is mobile following the incident – this enables insurers to arrange recovery of the vehicle, and to take it to an approved mechanic or secure storage.

Depending on insurer and availability, a courtesy car could be provided while your vehicle is off the road.

Property Claims

In the event of damage to your property, please call us to report details and start the claim process.

We will need to know the following information:

  1. When the damage occurred or was discovered.
  2. The damage that has been sustained and the extent of it.
  3. The address of the damaged property.
  4. Photographic evidence of the damage.
  5. Contact details for someone on site in case a Loss Adjuster is sent to visit.

Temporary repairs should also be implemented or steps taken to prevent any further damage, if practical to do so. Two matching quotes should be obtained for the rectification of the damage and will need to show a breakdown of labour and material costs.

Injury Claims

If someone slips over or has a fall, remember to complete an Accident Report, and try to obtain a more detailed statement of events from the injured party illustrating what happened or how the incident occurred, as well as a description of the type of injury.

Identify the location of the incident and take photos as soon as you are made aware of the accident, so that conditions are captured as close as possible to the time of to the incident.

Try to identify any hazards or defects and where they exist, or have been reported to have existed.

Next, identify any possible witnesses and get them to provide statements as soon as possible.

Finally, call us so as we can make a quick assessment of the graveness of the incident and advise on how best to proceed, and whether the incident needs to be reported to your insurers.

If you are unsure what to do should an accident occur, please get in touch and we will be happy to offer guidance.