How do I make a claim on a Motor Insurance policy?

You should also take the time to familiarise yourself with the claims procedures at each new motor insurance company you use. Each company has a slightly different claims procedure, it is imperative that you understand both what is covered and how you should approach making a claim against your policy.

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What are the laws regarding Motor insurance in the United Kingdom?: Motor insurance originated in 1930, when the government introduced a law that required every person who used a vehicle on the road to have some kind of motor insurance policy. This had to be third party personal injury cover at the very least.
How do I make a claim on a Motor Insurance policy?: You should also take the time to familiarise yourself with the claims procedures at each new motor insurance company you use. Each company has a slightly different claims procedure, it is imperative that you understand both what is covered and how you should approach making a claim against your policy.
Why do some Motor insurers specialise in just lady drivers?: Every Motor Insurance company is different, each have specific market niches that they try and specialise in, some choose mature drivers, some lady drivers and some young drivers.
What are the road tax rates by specific type of vehicle?: The collection and administration of road tax is done by the DVLA (Driver and Vehicle Licensing Agency). The DVLA is responsible for all regions of the UK. Their aim is to facilitate safe and responsible driving throughout the UK. In addition to road tax they are also responsible for keeping a registry of all vehicles and qualified drivers.
How to provide evidence of my No Claim Discount?: Accepted proof of the No Claim Discount would be as follows:

Most insurers provide a 24 hour claim line that will allow you to alert the insurer in the event of a claim and also order the necessary claims forms. These claims lines are set up so that you are able to report an claim as soon as it happens. If your insurer doesn't provide a 24 hour claim line, enquire as to why they do not, there's unlikely to be a good reason. If they don’t have a good reason then place your insurance elsewhere.

Once you have alerted the claims line, they will send an accident report form out to you to fill in. At this stage you would be well advised to enquire as to what the insurer needs from you in terms of evidence etc.
It is a good idea to carry a disposable camera in the vehicle, as one of the best forms of evidence is a picture of the scene of the accident to be included with your own statement.

Make sure that any correspondence you provide to your insurer is copied and kept in a safe place, you should also ensure that you keep any and all receipts that relate to your claim.

Look carefully at your vehicle so that you can accurately identify the areas in which damage was caused - as soon as these repairs have been identified, your insurance provider will probably recommend a garage to you. If you use a garage that wasn’t recommended, then BEFORE the work is undertaken, you will need to send the estimate to the insurer. By using the recommended garage, you also get the added advantage of your repairs being paid for directly by your insurer.

Remember that whatever the claim relates to, you will be expected to pay the agreed excess on the policy. Your insurer will pay the remaining cost of your repairs, but will not pay the excess amount. If you have only taken out third party insurance, you will need to claim from the other driver should you be involved in an accident that wasn’t your fault.