Independent Insurance Consultants

If you are involved in an accident, it is often very difficult to know what you should or should not do and what details you need to obtain. Click on the following link to obtain our What to do in the event of an accident leaflet which you can print out and keep in your car to act as a reminder.

In the past, if you needed to make a claim on your policy, say as a result of an accident or theft, you would have needed to fill in a claim form. This is no longer the case and most companies have now done away with claim forms. Instead, you now ring a claims help line and the company takes details of the incident over the phone. This saves you time in filling in the form and the company can immediately set about getting your car repaired. The company will usually try and steer you towards one of their approved repairers. You do not have to use the approved repairer although using them has advantages for everyone. For the customer, it means that the repairer will usually supply you with a courtesy car for the duration of the repair and when the car is returned to you, the work carries a guarantee. For the insurance company, the work is concentrated in fewer places and it is easier for their engineers to keep a track of what is going on.

The arrangement with these approved repairers is such that they will usually arrange to pick up your car and drop off the courtesy car and do the reverse when the repair is complete. The companies do not always mention this point so it is worth raising it with them if this would be more convenient. Although reporting an accident is now done direct, please do not forget that we are still here to help you. Having phoned the help line, if you are at all unhappy in any way, please give us a ring and we will try and put matters right on your behalf.

If an accident is not your fault, it may be necessary to claim your excess, other out of pocket expenses or even compensation for personal injury from the party responsible. In this situation, please ring us and we will arrange for your legal expenses insurers (if you have paid the small extra charge for this cover) to pursue your claim. If there is personal injury to yourself or your passenger, you will automatically get a free solicitor, who is experienced in injury claims, to act on your behalf and you will always receive 100% of the compensation which is due to you, without any deduction being made.

See below for list of motor claim helpline numbers

Name	Number
Allianz Cornhill	0845 600 0676
Axa	0870 903 5999
Chaucer	0800 072 2050
Churchill	0845 601 4572
Equity Red Star	0870 608 1937
Fortis	0870 122 2020
Groupama	0121 633 5020
Highway	0870 242 3300
HSBC	0870 849 0010
KGM	0870 242 1218
Link	0870 241 4956
Legal & General	0800 136 903
MMA	0870 848 4999
NIG	0870 151 5596
Norwich Union	0800 678 999
N U Home & Drivers Club	0800 282 617
Provident	0870 532 0999
Royal & Sun Alliance	0800 096 4567
Shakespeare	0870 070 9709
Zenith	0870 530 5030
Zurich	0800 400 641