How to Make a Car Insurance Claim

Knowing what information to collect after an incident can make the claims process easier.

Overview

Record the circumstances, preserve relevant evidence and follow the insurer's instructions. Do not assume every incident will be covered.

What should you check?

• Read the policy definitions, limits and exclusions.
• Check the excess and any waiting or notification requirements.
• Understand what evidence may be required for a claim.
• Compare equivalent levels of cover rather than comparing price alone.

Why policy wording matters

Insurance is a contract and the precise terms determine when a claim can be accepted. Marketing summaries can be useful for orientation, but the policy documents should be treated as the authoritative source for the coverage you are considering.

Common questions