Performance vehicles
Power, value and repair cost can affect checks, excesses and claim handling.
Incident guidance
Know what to do when something goes wrong.
Follow the immediate safety steps, collect the right evidence and use the claims contact information shown in the policy documents.
01
Stop safelyStop where safe and use hazard lights.
02
Check injuriesCall emergency services when needed.
03
Exchange detailsCollect names, contacts and registrations.
04
Record evidencePhotograph the scene and note witnesses.
Immediate action
What to do immediately after an accident
Do not admit liability at the roadside. Stay calm, exchange details and follow the instructions in the policy documents.
Your policy number, name, contact details and vehicle registration.
The date, time and exact location of the incident.
Other driver names, registrations, contact and insurer details.
Photos of damage, road position, markings and surroundings.
Witness details and any available dashcam information.
Police reference number when the incident has been reported.
Policy documents
Check the documents before reporting
The certificate, schedule and policy wording explain who to contact, what is covered and which conditions apply.
CertificateDriver, registration, policy period and permitted use.
ScheduleSpecific cover, dates, vehicle and driver information.
Policy wordingExclusions, limits, excesses and claim conditions.
Email confirmationReferences sent to the checkout email address.
How claims work
The usual claim journey
The insurer or claims handler shown in the policy documents normally manages the live claim.
1
Report the incident
Follow the policy contact instructions as soon as possible.
2
Provide evidence
Give accurate information, photographs and third-party details.
3
Claim review
Cover, liability, damage and policy conditions are checked.
4
Repair or settlement
Available repair, replacement or settlement options are discussed.
5
Outcome
The claim closes once it has been handled under the policy terms.
Costs and impact
Excess, liability and future insurance
Policy excess
An excess is the amount you may need to contribute. Temporary policies can include compulsory and additional excesses depending on the driver, vehicle, age, claim type or insurer rules.
Future declarations
An accident, loss or claim may need to be declared on future insurance applications, even where the policy was temporary or the incident was not your fault.
Specialist risks
Points, previous bans and performance cars
All licence history, claims, convictions, modifications and vehicle details must be declared accurately.
Drivers with points
Penalty points can affect eligibility and pricing and must match the licence record.
Previous disqualifications
Past bans and serious motoring convictions must be declared correctly.
Modified vehicles
Modifications can change repair cost, theft risk and policy terms.
Questions
Claims FAQs
Who do I contact after an accident?
Use the claims contact details in your policy documents. When those documents cannot be found, contact CoverInstantly support with the policy details.
Should I contact support or the insurer?
For live claims, the insurer or claims handler shown in the documents normally handles the claim. CoverInstantly support can help locate documents and references.
What if my documents are wrong?
Do not drive when the documents are wrong. Contact support immediately with the correct information.
Can a higher-risk driver make a claim?
Where the policy was valid, accurate and active, the claim is reviewed under the policy terms. Undeclared points, convictions or bans can cause serious problems.
Need help locating the claim details?
Have the policy number, registration and incident information ready.