Completing a claim - handle with care!

It’s not the most exciting task in the world, but completing your claim properly and accurately is essential.  Your insurance provider needs to know all the details, given to the best of your knowledge.

For car insurance, you must do the following in the event of an accident:

•    Get the names and addresses of other parties involved

•    Contact insurance provider as soon as possible, so they can send you a claim form

•    Complete form, which will need to include diagrams; be honest!

•    Return the form, and await a decision on who was at fault

In the case of theft, as long as you have this covered, you will need to report the incident to the police before you contact your insurer.

For other insurance types, the essentials are similar; you must report criminal damage or theft to the police and you need to provide accurate details.

You must check exactly what is covered, as you can’t claim for anything excluded.

Claim Catastrophe – motor insurance gaffes

This may seem all like common sense, but it’s fair to say that good sense might not actually be that common.

It’s hard to decide whether a momentary lapse in brainpower or just good old-fashioned humour is behind some of these gems, but either way our favourite car insurance claim form gaffes make for entertaining reading.

There will always be plenty of questions if you make a claim with your insurer. A driver who hit a cow didn’t mess about with his answers:

Q - What warning was given by you?
A - Horn
Q - What warning was given by the other party?
A – Moo

Another driver reveals their finely-tuned wit:

Q: Could either driver have done anything to avoid the accident?
A: Travelled by bus?

Some motorists find themselves struggling to cope with complex sums:

I had one eye on a parked car, another on approaching lorries, and another on the woman behind."

Whilst others turn to the surreal:

"I started to turn and it was at this point I noticed a camel and an elephant tethered at the verge. This distraction caused me to lose concentration and hit a bollard."

"First car stopped suddenly, second car hit first car and a haggis ran into the rear of second car."

In stressful situations, it’s very important to not get confused:

"I pulled into a lay-by with smoke coming from under the bonnet. I realised the car was on fire so took my dog and smothered it with a blanket."

Road rage is as rife as ever:

"Three men approached me from the minibus. I thought they were coming to apologise. Two of the men grabbed hold of me by my arms and the first slapped me several times across the face. I kneed the man in the groin but didn't connect properly so I kicked him in the shin."

"The car in front hit the pedestrian but he got up so I hit him again."

There’s certainly no shortage of shifting blame amongst drivers:

"On the M6 I moved from the centre lane to the fast lane but the other car didn't give way."

"On approach to the traffic lights the car in front suddenly broke."

"The other car collided with mine without giving warning of its intention."

"I pulled away from the side of the road, glanced at my mother-in- law and headed over the embankment."

Although, sometimes it really is someone else’s fault:

"I was going at about 70 or 80 mph when my girlfriend on the pillion reached over and grabbed my testicles so I lost control."

Don’t forget that really nailing the specifics is key to your claim, especially if monkeys are involved.  If you could identify the monkeys from a line-up, then all the better:

"While proceeding through 'Monkey Jungle', the vehicle was enveloped by small fat brown grinning monkeys. Number three fat brown monkey (with buck teeth) proceeded to swing in an anticlockwise direction on the radio aerial. Repeated requests to desist were ignored. Approximately 2 minutes and 43 seconds later, small fat brown monkey disappeared in 'Monkey Jungle' clutching radio aerial."

Finally, you may need to mention other parties involved who are not part of the claim:

"I was thrown from the car as it left the road. I was later found in a ditch by some stray cows."

Category: Car InsuranceInsurance

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