Vehicle insurance making a claim if you 're in an accident - Citizens 2026

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin by filling out the 'Insured' section. Enter your name, policy number, address, postcode, occupation, and contact details. Ensure all information is accurate.
  3. In the 'Vehicle' section, provide details about your vehicle including make, model, year of manufacture, registration number, and cubic capacity. Describe how the vehicle was used at the time of the accident.
  4. Complete the 'Driver' section with the driver's name, date of birth, address, occupation, and contact numbers. Indicate if there were any injuries and provide details if applicable.
  5. Detail any damage to your vehicle in the 'Insured Vehicle' section. Include repair estimates and proposed repairers' contact information.
  6. Fill out sections for third-party property and personal injury claims as necessary. Provide names and addresses of involved parties.
  7. Describe the circumstances of the accident thoroughly in the designated area. Include date, time, location, weather conditions, and a sketch if required.
  8. Finally, review all entries for accuracy before signing and dating the form to submit it back to your insurance company.

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If the damage to your vehicle is minor, and the cost of repairing it is less than your excess, lodging a claim is unnecessary. You can still have a claims adjustor make an assessment of the damage so you have an accurate idea of the bill youre facing, but without any obligation to file a claim.
You pay the excess in the event of any claim made on your insurance policy regardless of who is to blame. However, if its proved the accident was the other persons fault and the full cost is recovered from their insurer, you may be able to recover this amount.
If you buy protection for your no claims discount, this will add an extra cost to your premium. But if you have an accident without no claims protection in place, you will lose your discount and end up paying more in future anyway.

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Depending on the nature of your claim, you may receive a check directly, or the insurance company may pay vendors on your behalf. The total amount you receive will be based on the amount of coverage in your policy and the specific details of your claim.
Having plenty of claims can raise the average cost of car insurance for your driver profile. Canceling a claim wont prevent an incident from showing up on your driving record, but it wont change your risk profile, so your rates wont be affected.
That said, youll usually be looking at an increase of 20%-50%. Unless its protected, you should also expect to lose any no-claims discount youve built up. Even if its protected you could still see your premiums rise this is because a no-claims discount is a reduction from a baseline car insurance premium.
If you buy protection for your no claims discount, this will add an extra cost to your premium. But if you have an accident without no claims protection in place, you will lose your discount and end up paying more in future anyway.

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