I am not making a claim, must I still report the incident?

Any incident that might give rise to a claim under your policy must be notified, whether you intend to make a claim or not. This includes all accidents or other incidents such as theft, fire, storm, vandalism or any other cause of damage to your vehicle.

It is of particular importance that you report any accident or incident that results in injury or alleged injury to any vehicle passenger, cyclist, motorcyclist or pedestrian, even if you believe that the accident was not your responsibility. It will serve to protect your interests if we are given the opportunity to investigate such claims as early as possible to ensure that the evidence is fresh and still available. Claims can be brought against you for up to three years after an accident, or longer still where children are injured or the claimant is without capacity.

You may prejudice our position if you do not report these claims as soon as you can and, if this occurs, you might not be entitled to the protection of your policy.

If you report a claim for information purposes only, it will be recorded as such and your No Claim Bonus (NCB) will not be affected if we are not ultimately required to make a payment. The costs that we incur in investigating any claim will not in themselves affect your NCB.