← Motor Insurance
Claiming on motor insurance
We lodge and follow up the claim for you at no extra cost. Here is exactly what happens and what we will need from you.
Report a claim: 0748 055 038Step by step
- 1Report the incident within 48 hours through the app, WhatsApp or a call.
- 2Send photos of the damage, the police abstract and your driving licence.
- 3We book an assessor and share the repair authority once approved.
- 4Repairs are paid directly to the approved garage.
Documents needed
- Completed claim form (we fill it in with you)
- Police abstract for accidents and theft
- Copy of your driving licence and the logbook
- Photos of the damage and the other vehicle's details
- Repair estimate from a garage
How long it takes
Repair authority within 3–7 working days of assessment; cash settlements in 14–21 days.
Delays almost always come down to missing paperwork, so send everything in one go and we will chase the underwriter daily until it is paid.
Common questions
Can I choose my own garage?
Yes. If it is not on the underwriter's panel we still authorise it, we just confirm the estimate first.
Will one claim raise my premium?
It removes your no-claim discount at renewal. A clean year restores it.
What if the other driver was at fault?
We claim from their insurer on your behalf, so you are not out of pocket while it is settled.