AXA Connect

Commercial Motor Insurance Hints and tips

What to do after an accident

No matter how good a driver is, accidents do happen and can be a very stressful experience. Here are some instructions on what should be done at the scene of an accident.

  • Stop at the scene of the incident. If there are any injuries or damage to someone else’s property (including other vehicles) it is an offence not to stop. If a dog or farm animal is hit, the driver is required by law to report the incident to the police. If a cat or wild animal is involved, there is no obligation to contact the police but the driver must ensure the animal is not injured or suffering.
  • Ensure the scene and everyone involved is safe. Switch off all engines, turn on hazard warning lights and alert oncoming traffic about the incident.
  • If the vehicle is immobile contact us and report the incident. We can then arrange recovery of the vehicle.
  • It is useful to keep an accident pack in the vehicle. This should contain a notebook, a pen or pencil and a disposable camera (This is in case the driver’s mobile phone does not have a camera). It is also useful to have a note of the insurance details to hand (Policy number and insurer contact details).
  • Only take photos of the accident scene and related damage from a safe position.
  • Exchange names, addresses, telephone numbers and insurance details with all of the other parties involved. Also write down a description of the other driver and vehicle (Registration number, Make, Model and any distinguishing features).
  • Look for anyone that may have witnessed the accident and take their details. Independent witness evidence is very valuable as evidence when establishing fault for the incident.
  • If possible, draw a quick sketch of the accident scene, noting the road names in addition to taking photos.
  • Try and make a note of how many passengers were in each vehicle. If an injury claim is made later, we need to be sure the person making the claim was involved.
  • If there was property damage caused as a result of the incident (Buildings, fences, bollards etc) take a note of the amount of damage. Only the damage caused by the accident should be claimed.
  • Contact us and report the incident at the earliest opportunity.

What to do after the vehicle has been stolen

Having a vehicle stolen can be a very upsetting experience. Here is some advice on what the policyholder / driver should do.

  • Report the theft to the police and obtain a crime / incident reference.
  • If the vehicle has been broken into and items have been stolen, the police should be asked whether they need to inspect the vehicle and conduct a search for possible fingerprints. If they do, it is recommended that the vehicle is not touched until the police have concluded their investigations.
  • Contact us and report the incident at the earliest opportunity.

We will require the following:

  • Original V5
  • Original MOT certificate
  • Original Service History
  • Copy of the Purchase receipt
  • Original Insurance Certificate
  • Details of any outstanding finance
  • Copy of Driving licence
  • All Keys
  • Copies of CBT (if applicable)