Accidents & Damage
What to do after bumps, parking damage, weather damage, potholes and other everyday incidents.
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UK car insurance, explained
Real answers to real car insurance questions.
Had a bump? Changed jobs? Lending your car to somebody? Start with the situation you are actually dealing with — then find out what to check, who to tell and what to do next.
50 practical guides
Plain UK English
Policy wording matters
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The site is organised around the problem you are trying to solve, not insurance jargon.
Theft, Keys & Security
Lost keys, attempted theft, catalytic converters and difficult theft-claim questions.
Browse this section →Changes in Work & Car Use
Parking, commuting, business journeys, retirement and changes you may need to tell an insurer about.
Browse this section →Other Drivers & Family Cars
Named drivers, children, friends, learners, spouses and cars owned or driven by different people.
Browse this section →Buying, Selling & Write-Offs
Insurance timing, total losses, retaining salvage and challenging vehicle valuations.
Browse this section →Modifications & Mileage
Dashcams, accessories, wheels and changes to annual mileage.
Browse this section →Popular questions
Someone scratched my car in a supermarket car park and drove off — should I tell my insurer?
My neighbour damaged my parked car — can we settle privately without involving insurance?
I bumped another car but there is no visible damage — do I still need to tell my insurer?
Someone opened their car door into mine — whose insurance should pay?
My car was damaged by a shopping trolley — can I claim on my car insurance?
A roof tile fell onto my parked car — do I claim from my insurer or the property owner?
A pothole damaged my wheel and suspension — should I claim on my car insurance or against the council?
My car was damaged by flood water while parked — am I covered?
My car was damaged by a fallen tree — whose insurance pays?
A branch fell from my neighbour's tree onto my car — can I claim against them?
My car rolled away while parked and damaged another vehicle — am I insured?
I accidentally put the wrong fuel in my car — will my insurance pay for the damage?
I lost my car keys — does comprehensive insurance normally cover replacement keys?
My car keys were stolen from my house — should I tell my home insurer or car insurer?
Someone stole my catalytic converter — is that treated as a theft claim?
Someone attempted to steal my car but only damaged the locks and steering column — can I claim?
Why the answers are cautious
Motor policies are not all the same. A sensible answer often depends on the policy wording, what the insurer asked when cover was arranged, and the exact circumstances of an incident.
Where there is uncertainty, we tell you what to check rather than pretending that every insurer will reach the same decision.
Important
This website provides general information, not a decision on whether a particular claim is covered. If something has happened, read your policy and contact your insurer or broker promptly.