Terms & Conditions

You will not get the full benefit of your car insurance, if you (or your legal representative) fail to follow the following points:

• Inform your insurer as soon as possible after an accident, even if you do not intend to claim. Give all the information they may reasonably request. Not informing them may lead to problems later on. If you intend to make a claim, or a third party intends to claim from your insurance, you must inform them within the time frame specified in your policy. Failing to do so can invalidate any future claims.
• You should always inform them if you are involved in civil or criminal proceedings as a result of an accident. For example, if you have received a driving conviction for dangerous driving as a result of the accident.
• Never admit blame (see Blame / Responsibility) or offer to pay for any damage. Having said that, your insurer will find it helpful if you tell them that a third party does so.
• Tell your insurer immediately if you receive any correspondence regarding the incident. For example, if you receive a letter that states that you, or somebody else insured by the policy, will be prosecuted as a result of an accident.
• Any theft of, or vandalism to, your car must be reported to the police as soon as possible. Failure to do so can cause complications if you later wish to claim.
• You must make available any documents that are required by your insurer so that they can process your claim. This could include such items as your car registration document, MOT certificate, installation of alarm certificate, driving licence (or that of the driver) and repair receipts.