What to do if you have an accident

Take a few minutes to read through this handy checklist. If you're ever involved in an accident, this list will help you when you come to make your claim.

Don't drive away

• You must stop if any other person or animal has been hurt or if there is any other damage.
• Make a note of where you are.

Ask for contact details

• Get names, addresses and phone numbers of any drivers, passengers in your or the third party’s car, or pedestrians involved, and any witnesses.

Ask for insurance details

• Ask the other drivers involved for their insurance company and policy numbers. They are obliged to supply these under the Road Traffic Act.

Check other people invloved

• Check how many people are in the other vehicles involved and are there any injuries.

Call the police

• Call the police if anyone is hurt or the other driver leaves without giving their details. Make a note of any crime reference number if relevant.

Make a diagram of the accident scene

• Note the position of the vehicles involved before and after the accident.
• Note speeds, distances, road layout, road signs and any obstructions to drivers' views.
• Note where witnesses were standing.
• Make a note if the vehicle is drivable.

Have your Certificate of Car Insurance ready

• The police may ask for this if there is any damage.

Never admit blame or liability

• Never offer to make a payment for any damage.
• Tell us if other people involved accept liability.

Report the accident

• Even if you do not plan to make a claim, please call our claim line on 0800 210 0247 as we are here to help you.
• We can usually get all the information we need in one phone call, but sometimes we may ask you to fill in a claim form.

More information

For more information about making a claim, please download our Claims FAQs document.

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Automatic renewal for Direct Debit customers

If you pay your premium by Direct Debit, we may automatically renew your policy. We'll let you know that this will happen before your policy expires and give you details of the renewal terms. If you do not wish to renew your policy, please get in touch before the renewal date. If you do not contact us and we renew your policy or any other policies on expiry, we will continue to make deduction(s) from your bank account for the new renewal premium(s).

If your circumstances change

Please let us know as soon as possible if:

• You make changes to your car that improve its value, performance or attractiveness to thieves.
• You change your car.
• You want to use your car for a purpose not included in your schedule.
• You become aware of any medical or physical condition of any driver named on the policy which may affect their ability to drive drive and must be notified to the Driver and Vehicle Licensing Agency (DVLA) or the Driver and Vehicle Licensing Agency Northern Ireland (DVLANI).
• You or any other driver named on the policy are convicted of a motoring offence, other than fixed penalty parking offences.
• You or any other named in the policy are convicted of any offence relating to fraud, arson or dishonesty.
• You change the address at which you normally keep your car.
• You change your annual mileage.
• If you, or anyone covered by this policy change jobs, including part time.
• Accidents, thefts or losses (whether covered by insurance or not and regardless of blame) where these have not been previously reported to us;

If you do not tell us about any relevant changes, we may reject or reduce any claim or treat you as being uninsured.

We may charge an administration fee for any changes you make to your policy details during the period of cover. This is shown in your policy schedule.

If you'd like to cancel your insurance policy

If your insurance policy no longer meets your needs or if you're unhappy with the cover provided by your policy, please call us on 0800 210 0247 to discuss your options.

Your cancellation rights are described in your policy booklet. A cancellation fee may be applicable. This is shown in your policy schedule.

Customer Care

View details of our customer care policy here.

See your policy online

Policy documents including policy summary

All policies taken out after 01 June 2011:

Sainsbury's Car Insurance

Sainsbury's Premier Cover Car Insurance

Sainsbury's Breakdown Cover

Sainsbury's Keycare 

Useful numbers

Customer Hotline:	0800 210 0247*
24-hr Accident Helpline:	0800 210 0250*
Motor Legal Protection:	0800 206 1951*
24-hr Breakdown Assistance:	0800 210 0251*
Windscreen Claims (Autoglass):	0800 363 636*

 

Hearing or speech impairment

If you have a hearing or speech impairment, you can also contact us by Typetalk, or specialised text phone.  Please dial 18001 followed by the number that you require.

If you have a visual impairment, we can provide documents in large print, audio or braille.

To use the additional services (if you've bought them), see your schedule.