making a claim
The point of motor insurance is to get you back on the road as quickly and effectively as possible when something unexpected happens and as your brokers, we will support you through the process. Being involved in a motor accident or suffering any other loss or damage to your vehicle can be stressful, particularly when as a chauffeur driver you rely on your vehicle for your livelihood, but our team are here to help.
What to do at the scene of an accident
Unfortunately, some delays following a claim are unavoidable. Often they are held up through no fault of the policyholder – garages waiting for parts, repairs held up due to holiday periods. If this is to happen would being without your vehicle for several days, possibly weeks cause you a problem? If yes you should consider the benefits of a guaranteed replacement vehicle policy.
It is worth noting that typically claims are restricted to two per year with a maximum hire period of 28 days per period of insurance. Supply of a vehicle is always subject to availability.
What to do at the scene of an accident
- Obtain full details of all parties involved in the accident, including vehicle registration numbers, driver’s names and addresses and any insurance company details along with policy numbers where at all possible. Motorists involved in a Road Traffic Collision are obliged to provide these details under the Road Traffic Act.
- Obtain the full names, addresses and phone numbers of any witnesses to the accident
- Take photos of the incident scene and any damage incurred (where it is safe to do so)
- Don’t admit any fault or liability.
- Immediately report to the police any loss, theft or malicious damage and make a note of the crime reference number.
Report the accident
Even if you’re not going to make a claim, please give us a call to let us know what has happened. With all and any claims, speed is of the essence, so please try and react quickly post-loss.
We have teamed up with Sovereign Automotive to offer you a full claims management service for our policyholders. In the event of an accident please call Sovereign to report the incident on 0333 103 7277.
Be ready with the following information when reporting a claim:
- Your full contact details (or the policyholders if you are acting on their behalf. If you are acting on the policyholders behalf, you will require a written mandate from the policyholder given consent for this).
- Policy number.
- Vehicle details.
- Date, location and circumstances of the loss.