What happens if the accident is my fault?

If you have a comprehensive policy and you're involved in an accident, we'll make it our priority to get you back on the road as quickly as possible. We'll either arrange for your vehicle to be repaired or make a payment for your vehicle if it's a write-off (or 'total loss'). If the accident involved someone else, we'll contact them and offer to repair their vehicle or pay for a replacement if it's a write-off. This allows us to settle the claim as quickly as possible and control the costs involved too. 

If there's any disagreement about who was at fault, we'll review all the evidence available. We can then work out who was responsible – and if we can recover all or some of our costs. We'll let you know the outcome and if your policy has been impacted.

If your policy is third-party, fire and theft or third party only, your policy doesn't include cover for accidental damage to your own vehicle – so you can't make a claim for the costs of fixing or replacing it. If there are any claims made against you, we’ll deal with them.