Claims and renewal answers
Claims and Renewals FAQs
Practical questions about prompt notification, evidence after a motor incident, policy excesses and preparing well before expiry.
Each card below contains a short summary rather than repeating the complete answer. Open the dedicated FAQ page for the full explanation, related distinctions and links to supporting guidance.
How early should a business prepare for renewal?
A practical preparation sequence for correcting data, reviewing claims and reading terms before the expiry deadline creates pressure.
Read the full answer →What documents should be kept after a motor claim?
A record-keeping guide covering scene evidence, digital files, vehicle records, correspondence and secure retention.
Read the full answer →What is an insurance excess?
The excess is the part of a covered loss retained by the policyholder, and different amounts can apply by section, driver or cause.
Read the full answer →When should an insurance claim be reported?
Prompt factual notification protects evidence and helps the insurer manage repairs, investigation and third-party contact.
Read the full answer →Focused commercial insurance guidance
Make claims and renewals easier to manage
Claims and renewals both depend on accurate records. Dates, driver details, repair information and supporting documents can all matter.
Report incidents in line with the policy terms. Before renewal, check that business details and claims information are complete and current.
- Keep incident records in one place.
- Report claims within policy timescales.
- Check open claims before renewal.
- Correct errors before submitting data.
Good records reduce avoidable questions at renewal.