What to do immediately after an accident
Your safety comes first. Stop as soon as it is safe, switch on hazard lights if needed, move to a safe position and check whether anyone is injured. Do not admit liability at the roadside. Stay calm, exchange details and follow the claims instructions in your policy documents.
Stop safely
You must stop after an accident where damage or injury has occurred.
Check injuries
Call emergency services if anyone is hurt, the road is blocked or there is danger.
Exchange details
Share names, contact details, registrations, insurance information and owner details.
Record evidence
Take photos, note time, location, road layout, witnesses and dashcam availability.
Details to collect for a claim
Check your temporary insurance documents
Your documents should explain who to contact, what is covered, what excess applies and what conditions you need to follow. Check the certificate, schedule and policy wording carefully.
Certificate
Shows the insured driver, vehicle registration, policy period and permitted use.
Schedule
Confirms your specific cover details, dates, vehicle, driver and price information.
Policy wording
Explains exclusions, limits, claim conditions, excesses and the claims process.
Email confirmation
Use the email address entered at checkout to locate documents and references.
How a temporary insurance claim is usually handled
- Report the incident. Follow the contact instructions in your policy documents as soon as possible.
- Provide evidence. Give accurate information, photographs and third-party details.
- Claim review. The insurer or claims handler checks cover, liability, damage and policy conditions.
- Repair or settlement. If covered, repair, replacement or settlement options may be discussed.
- Outcome. The claim is closed once handled according to the policy terms.
Excess, liability and claim impact
An excess is the amount you may need to contribute towards a claim. Temporary policies can include compulsory excesses and extra excesses depending on driver, vehicle, age, claim type or insurer rules.
Claims can affect future insurance
Any accident, loss or claim may need to be declared when applying for future insurance, even if the policy was temporary or the incident was not your fault.
Claims involving high-risk drivers, points or performance cars
GetTempCover is built to help a wide range of UK drivers look for temporary cover, including drivers who may be considered higher risk. This can include drivers with points, previous disqualifications, motoring convictions, performance cars, prestige cars, supercars and high-value vehicles.
Cover is always subject to eligibility, accurate disclosure, underwriting rules, vehicle checks, permitted use and policy terms. All points, convictions, bans, claims, modifications and vehicle details must be declared correctly.
Performance vehicles
High-performance cars, prestige vehicles and supercars may need extra checks because value, power and repair cost affect risk.
Drivers with points
Penalty points can affect eligibility and pricing. The quote must reflect the driver’s correct licence history.
Previous disqualifications
Past bans or serious motoring convictions must be declared. Cover may still be possible in some cases, subject to underwriting.
Modified vehicles
Modifications can affect repair cost, theft risk and policy terms, so they must be declared accurately.
Claims FAQs
Who do I contact after an accident?
Use the claims contact details in your policy documents. If you cannot find them, contact GetTempCover support with your policy details.
Should I contact support or the insurer?
For live claims, the insurer or claims handler shown in your documents usually needs to handle the claim. GetTempCover support can help with documents and references.
What if my documents are wrong?
Do not drive if your documents are wrong. Contact support immediately with the correct details.
Can a high-risk driver make a claim?
If the policy was valid, accurate and active, the claim should be reviewed according to the policy terms. Undeclared points, convictions or bans can cause serious problems.