How do I report a claim on my car insurance?

The fastest way to report a claim is to speak to one of our claims team directly, by phone. Call 01708 925 057. If you're not able to speak right away, you can log into your insurance account to arrange a call-back. Watch the video above to find out how.

What should I do immediately after an accident?

Stay calm, check for injuries, and gather details from all parties involved. Then contact our claims team by telephone or use your online Insurance Account to make a claim.

Can I make a windscreen claim separately?

Yes. Windscreen claims are processed separately and often don't affect your no-claims bonus. Log into your insurance account to book a repair via our trusted windscreen partner.

The Driving Mistakes That Could Cost More Than You Think

Common Driving Mistakes That Can Lead to Fines and Higher Insurance

Most drivers know the big rules; keep to the speed limit, don’t drink and drive, always wear a seatbelt. But it’s the little things that often trip people up. Everyday habits like overloading the boot or forgetting to update your licence can leave you with unexpected fines or penalty points.

And those points don’t just affect your driving record, they could also nudge up your insurance premium. Here are some of the lesser-known Highway Code rules to keep in mind.

Overloaded vehicles can lead to fines and penalty points

1. Overloading Your Car or Van

Stacking the car to the brim might feel efficient, but exceeding the vehicle’s Maximum Authorised Mass (MAM) is a punishable offence.

Fine: £100–£300 depending on how far over the limit you are.
Source: DVSA penalties

2. Unsecured Loads

Loose furniture, shopping bags, or boxes can quickly turn into hazards if they move while driving.

Fine: £100 plus 3 points if the load is insecure.
Source: Load security rules

3. Blocked Rear View

Packing the car so full that you can’t see behind you could result in a fine. You’re legally required to keep full control and a clear view of the road.

Fine: Up to £1,000.
Source: Highway Code Annex 5

4. Worn Tyres

The minimum tread depth is 1.6mm. Anything less could mean trouble.

Fine: £2,500 per tyre plus 3 points.
Source: Tyre safety law

5. Seatbelt Offences

No excuses: if there’s a seatbelt fitted, it must be worn.

Fine: Up to £500.
Source: Highway Code penalties

6. Using Your Phone

Unless you’re parked safely, even checking your phone while stationary is against the law.

Fine: Up to £1,000 and 6 points (more in larger vehicles).
Source: Highway Code penalties

7. Out-of-Date Licence

Moving house? Don’t forget your licence — it’s an offence not to update your details.

Fine: Up to £1,000.
Source: DVLA change of address

8. Pavement Parking

Illegal across London unless signs say otherwise (councils fine around £70, or £35 if paid early).
Outside London, restrictions depend on local rules.
Source: Rule 244 of the Highway Code

9. New Driver Rules

For drivers in their first two years, just 6 points is enough to have your licence revoked.

Penalty: Retaking both theory and practical tests.
Source: New driver regulations

The bottom line: fines can be annoying, but it’s the points on your licence that really sting; they follow you for years, and may push up your insurance.

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The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine and automated customer services allowing hassle-free access to documents and information.
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Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.