If you're injured or your vehicle is damaged in a road accident and it's not your fault you may be approached directly by the other person's insurer to try and settle the claim with them directly. This is called third party capture or third party assistance. Insurers are legally allowed to do this. However, it's important to know that you don't have to settle the claim in this way, and that the other person's insurer won't be acting in your best interests. This page tells you what you should think about before taking up an offer to settle a claim directly from another insurer. If you need...

If you've taken out insurance and something happens, you might need to make a claim. This page tells you what you need to think about before you contact your insurer and also what to do if someone tries to make a claim against you. Making a claim If you need to make a claim contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself. The Association of British Insurers have more information on flooding and insurance, including what you can expect after...