Remember any claim made against your insurance company may affect your no claims discount and could lead to higher premiums. You can sometimes protect your no claims with an optional premium. make sure this is transferable to other companies though.
A fully comprehensive car insurance policy will cover any personal injuries to third parties including your passengers as well as your car and theirs, in the case of the accident being your fault, or no balme to either side.
When making a claim have as many details with you as possible including your policy number and a crime reference number if you have one.
