If you need to claim under a car hire insurance policy the process is tends to be quite straightforward. Follow the instructions issued with your policy, and there is always the helpline provided by the company should you have any difficulties or queries.
Please do follow these instructions carefully, particularly if you are claiming under a Supplementary Liability Insurance product, as this policy is secondary insurance and should only be claimed upon after the primary insurance provided by your rental company has been 'used up'.
It is likely that on contacting your insurer, that they will ask for details of the incident and documentation to support your claim. This evidence may include some or all of the following so please do retain any such paperwork:
If you have paid for any costs (such as your credit card being debited with an excess) you will, upon successful completion of any claim, be reimbursed directly, whilst, if the incident is handled directly between the insurance company and the hire firm, reimbursement will be direct.
Larger claims, and particularly those for SLI/CDW policies are sometimes dealt with directly between the car hire excess insurer and the car hire firm.
It is a great idea to have a read of the 'How to Claim' section of a policy before you set off with your car hire. That way you will know what documentation you will need in the event of an incident. Much easier to get the information at the time than return home and have to deal with anything missing from overseas.