How does a claim work with car insurance?

Straight after the collision

Complete the European Accident Statement together. In doing so you sign for the factual course of events, not for fault. That assessment is for the insurers.

Make photos of both vehicles, the position on the road, road signs and the road surface. Note down witnesses with their name and telephone number.

Accept no liability. You can bind your insurer to something that later turns out not to be correct.

Reporting

Report the claim to your insurer or to us, even if you think the other party is at fault. Under Article 7:941 DCC you have to report a claim as soon as possible.

Reporting late can prejudice the insurer's position on recovery, and that can have consequences for your payment.

Assessment and repair

For larger claims, a loss adjuster round to establish the extent. If you disagree with their findings, you have the right to a an independent loss adjuster acting for you; the cost of that is usually paid.

Repairs often go through an approved accident repair centre; that can reduce the excess. You may usually also choose yourself, but different conditions can then apply.

What it costs you

Your excess, and on an at-fault claim the loss of no-claims years. That last point works through for years. On a small claim it is sometimes cheaper to pay yourself.