Question 1

Do I need to tell my insurer about an accident if I’m not making a claim?

Accepted Answer

Yes, you should still notify your insurer about the incident, even if you don’t intend to claim for damage to your own vehicle. Your policy may require you to report incidents which could potentially lead to a claim, particularly if another driver later decides to make a claim against you.
Reporting the accident promptly also ensures your insurer has a record of your version of events.

Question 2

How quickly should I contact Just Kampers Insurance after an accident?

Accepted Answer

You should report an accident as soon as reasonably possible. Having your policy number, details of what happened, information about the other people and vehicles involved, photographs and any witness details to hand can help make the process easier. Just Kampers Insurance customers have access to a claims service 24 hours a day, seven days a week.

Question 3

Will I have to pay my excess if the accident wasn’t my fault?

Accepted Answer

If you make a claim through your own insurance policy, your policy excess may still be payable initially. Depending on the circumstances of the accident, you may subsequently be able to recover this from the responsible party.

Your claims handler can explain what applies to your particular claim and whether your excess may be recoverable.

Question 4

Can legal protection help if the accident wasn’t my fault?

Accepted Answer

Just Kampers Insurance policies include legal protection, which can provide assistance following a non-fault accident, subject to the policy terms, limits and exclusions.

This can include help pursuing eligible uninsured losses, such as an excess you have paid, as well as assistance with certain legal expenses, vehicle hire or claims relating to injuries and other losses.

Question 5

Will I get a courtesy car while my vehicle is being repaired?

Accepted Answer

This will depend on your cover and how your claim is handled. If you make a claim under a comprehensive policy and use an approved repairer, a courtesy car may be available for the duration of the repairs, subject to availability.

Different arrangements may apply following a non-fault accident, so speak to your claims handler before arranging alternative transport yourself.

Question 6

What happens if my campervan or motorhome is written off?

Accepted Answer

Your insurer will assess the vehicle and the terms of your policy before determining how the claim will be settled.

This is particularly important for classic, converted and specialist vehicles, where modifications and the vehicle’s specification can have a significant impact on its value. If your policy includes Agreed Value cover, check your policy documents to understand how this applies to a total-loss claim.

Question 7

What if modifications to my campervan are damaged in the accident?

Accepted Answer

Make sure you tell your claims handler about damage to modifications and converted parts of the vehicle, rather than documenting only the exterior bodywork.

Photograph damaged pop-tops, awnings, furniture, fitted equipment and other converted elements where it is safe to do so. Keeping photographs and documentation relating to modifications before an accident can also help demonstrate your vehicle’s specification and condition.

Question 8

Should I arrange my own garage to repair the vehicle?

Accepted Answer

Speak to your insurer or claims handler before authorising significant repairs. The insurer may need to inspect the vehicle, review photographs or agree repair costs before work begins.

This can be especially important with classic vehicles, campervans and motorhomes, where specialist components or conversion work may require particular expertise.

Question 9

What should I do if the other driver’s insurer contacts me directly?

Accepted Answer

Don’t ignore correspondence about the accident, but avoid getting drawn into discussions about liability or agreeing a settlement without speaking to your insurer.

Just Kampers Insurance advises customers to forward third-party correspondence unanswered so it can be dealt with appropriately.

Question 10

What if the other driver doesn’t have insurance or leaves the scene?

Accepted Answer

Gather as much information as you safely can, including the vehicle registration, make, model and colour, photographs or dashcam footage, and witness details.

Don’t attempt to chase a vehicle that leaves the scene. Report the incident to the police where required and contact your insurer promptly so they can advise you on the next steps.

Question 11

Can I claim for belongings damaged inside my campervan or motorhome?

Accepted Answer

Whether damaged belongings are covered will depend on your individual policy and the cover you have selected.

If items inside your vehicle are damaged in an accident, photograph them and keep any evidence of ownership and value, such as receipts. Don’t dispose of damaged items until you have spoken to your claims handler.

Question 12

What happens to my no-claims bonus after an accident?

Accepted Answer

The effect on your no-claims bonus will depend on factors including how the claim is recorded and the terms of your policy. Even where you have a protected no-claims bonus, a fault or pending claim may still affect future insurance premiums.

Check your policy documents or speak to the Just Kampers Insurance team if you’re unsure how a particular claim could affect your policy.

Question 13

What information should I have ready when I report an accident?

Accepted Answer

It helps to have as much information as possible available, including your policy number, the date and location of the accident, details of the other driver and vehicle, photographs of the scene and damage, witness details, dashcam footage and any police reference number.

Don’t worry if you don’t have everything immediately. Report the incident promptly, and your claims handler can explain what additional information may be needed.

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