Contact your insurer as soon as possible using the claims number in your policy documents, even if you are unsure whether you will claim. Give accurate details of what happened, including the date, location, other drivers’ information, photographs, witness details and any crime reference number. Check your policy for the excess, exclusions and reporting deadlines, as cheaper cover may provide fewer benefits or higher excesses, but claims should still be handled under the agreed terms. Your insurer will assess the circumstances and explain the next steps; do not admit liability or authorise repairs before checking with them.