What to do if you’ve had an accident or need to make a claim

How to make a claim

Our claims process is handled by our underwriters. So if you’re involved in an accident, or need to make a claim, you should contact them directly (as soon as possible).

We work with different underwriters, so not every policy will have the same claims number. You can find the claims number for your policy in your policy documents.

If you can’t access your documents, our customer support team should be able to find the right number for you. We’re available 24/7 in the app, or you can email us at support@cuvva.com.

We don’t handle claims

If you need to make a claim, we can give you the contact details that you'll need.

But we don’t handle the claims process. So we won’t be able to:

  • Give advice or information about your claim
  • Update you on the status of your claim
  • Make a claim for you, or contact the underwriter on your behalf
  • Explain or change any decisions made by the claims team.

Emergencies

If you’re in an emergency situation, you should get help for that first; especially if someone is injured, or in danger.

If you need to get in touch with the emergency services, call 999 immediately.

You should also call the police if:

  • The other driver left the scene without giving you their insurance details
  • If there are vehicles blocking the road
  • If you believe that something illegal or fraudulent may be taking place. For example, if the other driver is under the influence of alcohol or drugs, or if you believe they may have crashed into you on purpose.

Once that’s sorted, and everyone’s safe, remember to contact our underwriters as soon as you can.

What to do if you’ve had an accident

Stay calm: Try not to panic. And if another driver was involved, try to avoid an argument. Staying calm and collected will help you to handle the situation properly, and avoid further incidents.

Take pictures: Once you’re in a safe place, try to get a picture or video of any damage to your vehicle, and anything else that might support your claim. Getting a dashcam may also be helpful for potential claims.

Get contact details: Take down the name, contact details, vehicle registration number, and insurance details of anyone else involved - along with any witnesses.

Don’t talk about who was at fault: It’s better not to discuss who was at fault, even if you think it might have been you. Remember that even apologizing after an incident can be used against you at the claims stage!

Be sure to cooperate with the claims team

The claims team will always work to get you a fair outcome, and to provide a smooth claims experience.

So if you’re involved in an accident, it’s really important to let them know as soon as you can, and to provide any additional information that they may ask for.

Not doing so could result in you not being able to use Cuvva anymore.

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