Help Centre · 11 articles

Claims & incidents

Starting a claim, who to call, and how cover handles different incidents.

How do I start a claim?

Open the policy → Make a claim. We route you straight to the right insurer.
Windscreen claims

Winn Solicitors handle windscreen claims for us.
Do I need to declare a non-fault claim at renewal?

Yes. Every claim has to be declared, even if it wasn't your fault.
Will my premium go up after a claim?

Usually yes — even for non-fault claims. We can help shop around at renewal.
Tracking an in-progress claim

Claim status sits with your insurer. We can chase if it's gone quiet.
What information do I need before calling to claim?

Policy number, when and where it happened, the other party's details, and photos.
Should I claim if the damage is small?

It's maths — compare the repair cost against your excess plus the likely renewal hit.
Fault vs non-fault — what's the difference?

Non-fault means your insurer recovers their costs from the other party. Fault means they don't.
Reporting a stolen vehicle

Police first on 101, then insurer with the crime reference.
What if the other driver is uninsured?

Your own insurer steps in if you're comprehensive. Otherwise claim against the Motor Insurers' Bureau.
What's 'first notification of loss'?

Insurance jargon for the first call you make to start a claim. You don't need to know the term.

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