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What to do if you
have an accident

Here's a step-by-step guide on what you need to do after an accident.


Swap details

Make sure you exchange your name and contact details, car insurance details and car registration number with the other driver(s). If there are any witnesses, try to get their contact details too.


Collect evidence

If it’s safe, take photos using the camera on your mobile phone. Make notes of street names, car locations and directions of travel, tyre marks and collision points. Make sure you take photos of the damage to the other car as well.

Speak to your insurer first

Never admit blame or liability for an accident or offer to pay for any damage. Tell us if any other person admits blame. Even if you don’t plan to make a claim, give us a call straight away.

What if it's your fault?

We’ll cover you for claims made by other people for bodily injury or damage to their property after an accident. If you’re not insured by us you can still call us so that we can arrange a repair if one of our customers is at fault.

What if the damage is to my car?

No worries - we’ve got you covered. A Direct Line engineer will be able to inspect the damage, and if your car is left undriveable, they’ll arrange for recovery to a garage for further inspection and repairs. Remember, if you only have Third Party Fire and Theft cover, you’ll have to make arrangements with a third party recovery agent to pick up your car.

Talk to us

When you report a claim to us, a personal claims advisor will take all the details from you – so try and write everything down. If in doubt, call our Accident Helpline on 0345 246 8471.

Cover for repairs

One of our approved repairers will be able to deal with your car repairs. This takes the hassle out of arranging the work yourself and having to get an estimate approved first.

Avoid further stress

We’ll provide you with a hire car if you can’t drive yours, or until repairs to your car have been completed if it’s being repaired by one of our approved repairers, following a claim. Remember, our Guaranteed Hire Car comes as standard if you have Comprehensive cover, whilst our Guaranteed Hire Car Plus can be added for an additional premium.

Let us do the legwork

Our first priority is to get your car repaired – or if it’s a total loss and you have the right cover, arrange a settlement. Any claims against you will be dealt with through us.

Help avoiding disputes

If you're sure the accident wasn’t your fault, we’ll fight your corner as long as you provide the relevant proof. Why not add our Motor Legal Protection to your policy? This will cover the costs of recovering uninsured losses, such as personal injury and car hire.

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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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