Contact your insurer as soon as possible, even if you are unsure whether you will claim, and use the claims number in your policy documents. Share the date, time and location, what happened, details of other drivers and witnesses, photographs, and any police reference number. Avoid admitting fault or authorising repairs unless your insurer agrees, as your policy may require an approved repairer. Your insurer will assess the circumstances, cover and excess before deciding how the claim is handled, so check your policy or ask an FCA-authorised provider if you need clarification.