If you need to make a claim on your car insurance, the process typically involves the following steps:
Notify your insurer as soon as possible after the incident, providing details of what happened and any relevant information like police report numbers or witness contact details
Your insurer will assess the claim and may send an adjuster to inspect the damage or interview witnesses
If the claim is approved, your insurer will arrange for repairs to your vehicle or provide a settlement payment if the car is declared a total loss
You'll need to pay any applicable excess before the insurer covers the remaining cost of the claim
Making a claim can affect your insurance premium and no-claims bonus, so it's important to consider whether the cost of the claim outweighs the potential impact on your future insurance costs.