How to submit a claim

In a nutshell

If you have an accident and you are covered by the king's car insurance, it’ vital that you phone the King Price emergency assist line (as soon as possible after the accident, before the car is towed and when you’re medically able to do so). The emergency assistant will arrange and authorise the towing of your car.

Please note: You’ll be personally responsible for the cost of the towing and storage if you don’t comply with this. So, save our number on your phone now: 0860 50 50 50.

What to do in the event of a claim

Tell us

The sooner you notify us, the quicker we can help you... And you do need to take note of these important time limits:

• Report your claim or any incident that may lead to a claim to us as soon as possible, but no later than 30 days, after any incident.
• This includes incidents for which you do not want to claim right away, but which may result in a claim in the future.
• Give us all documentation relating to your claim as soon as possible. You can drop us an email at [email protected]

Tell the police

• If you have been involved in a car accident, you must report it to the police within 24 hours, even if there is no damage to your car or motorbike.
• If you have suffered a theft, hi-jacking, burglary or any crime related event, you must tell the police immediately after becoming aware of the incident.

Do the paperwork

We need a copy of:

• The police report.
• The police case number.
• Your statement to the police.
• Details of the police station and attending officer.
• A detailed list of all items lost, stolen or damaged.
• Any other relevant documentation.
• Details of any third party involved in the incident, if applicable.

Check and let us know

We need to know if there’s any other insurance policy that covers the same incident.

Keep us updated

Please tell us immediately if:

• You become aware of any possible prosecution, legal proceedings or claim that could be lodged against you as a result of the incident.
• Any other relevant or new information comes to light regarding the incident that you claimed for, even if this information only surfaces after you’ve submitted the claim, or if the claim’s already been finalised.

Wait for us to help you

Never permit any replacement or repairs that we haven’t authorised yet. Get our written approval first before disposing of any damaged property, or repairing or replacing any losses you may have suffered. Failure to do so may lead to your claim being rejected.

Help us to help you

You need to act on, or take note of, the following:

• Paying all the excess amounts plus any additional excess amounts that you have to contribute for each claim, if relevant, as stated on your policy schedule.
• The excess amount you’ll have to pay consists of:
• The basic excess amount that applies to each specific insured event/item, plus;
• Any additional excess amounts that may be applicable for certain of the insured events or circumstances. The details are stated on your policy schedule.
• Excess payments are also payable in circumstances where you did not cause the accident.
• Assisting us where possible in any recovery action against any third party responsible for the loss or damage. We’ll reimburse you for any reasonable extra expenses incurred for this purpose.
• Complying with our instructions and requests as and when we need your assistance.

Get it done

Any repairs or replacements must be completed within 3 months of your claim being settled.

Let us take care of the difficult part

Never admit guilt or offer a settlement to any other party involved in an incident in which you are involved. We won’t be bound by any such admission or offer that you make.