Highways insurance claims

If you decide to claim you may wish to seek independent legal representation. In every case you will need to provide full details of the following:

• description of how the incident happened, including weather conditions
• exact location of where it happened
• photographs or a sketch of the location
• time and date
• direction of travel, by foot or vehicle
• detail of damage or injury suffered
• details of why you believe that we are responsible for the incident.

For vehicle damage claims, you may be asked to provide two independent estimates for repair, unless the repair was required straight away such as a broken windscreen.

For vehicle claims you may also need to provide:

• proof of vehicle ownership
• current MOT and Insurance Certificates
• date of the last service
• any other relevant details

For personal injury claims, you will need to supply your National Insurance number (if appropriate), date of birth and income details, if your claim involves loss of income.