CAR INSURANCE
Report the loss, preserve evidence, prepare the file and track the insurer's process.
FIRST ACTIONS
Safety, photographs, a claim reference and inspection come before authorising normal repairs.
CLAIM ROUTES
The key difference is who pays the approved repair bill first and which documents are retained.
CLAIM TIMELINE
Published motor-claim guidance uses this benchmark for surveyor allocation after claim reporting.
NCB IMPACT
The standard maximum NCB applies to the own-damage premium after five claim-free years.
CHECKLIST
Policy, RC, licence, estimates, invoices, receipts and written decisions make follow-up easier.
READ THE FULL GUIDE
Numbers, comparisons and what to check next.
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