Abi Brinkhurst here, Branch Advisor at Howden Bath; your friendly, local high street insurance broker.
We love being a part of the Bath community and in this regular column will be bringing you advice and insights into the insurance market.
We’ll also let you know about what’s on in branch, from our fundraising efforts to our community boot exchange!
Insurance is important for many reasons, a big one being the ability to claim if things go wrong.
But what can you do to make the claims process easier to manage?
- Always swap details with any other vehicles involved. Insurers can use registration numbers to trace the owner. Ask any independent witnesses for their details too.
- Take photos of each vehicle and any damage. If you, the other driver, or a witness has a dashcam, obtain any footage where possible.
- Report the incident to your insurer as soon as possible.
There are also some steps you can take to ensure your policy protects you properly:
- Protect your No Claims Bonus, so that you don’t lose its benefits if you had to claim.
- Consider Legal Cover as an addition. It can prove invaluable if you make a non-fault claim, allowing you to pursue uninsured losses such as a hire car and personal injury.
- Remember, you’re only entitled to a courtesy car if your vehicle is repairable, and the designated garage has one available.
One of the benefits of using a broker is that an insurance expert can deal with claims for you! From reporting claims, organising repairs, sorting a hire vehicle and much more.
A broker, such as Howden, is there to help make your experience as easy and straight forward as possible.
If you’re not sure what’s included in your motor policy, pop into our George Street branch, or give us a call and we’ll be happy to take a look!
Howden Bath
7 George Street, Bath, BA1 2EH
01225 788044
www.howdeninsurance.co.uk
