Temporary Insurance: What to Do in the Event of a Claim?
Taking out temporary insurance is a simple, quick, and flexible solution for covering you when using a vehicle occasionally. But what happens if an accident occurs during the validity period of this insurance? What steps should you take? What are your rights and obligations? In this article, KT Tempo guides you step by step to respond effectively in the event of an accident or incident, and take full advantage of your temporary coverage .
1. What is a Temporary Insurance Claim?
A claim is a sudden and unforeseen event that causes damage, whether to yourself, a third party, or your vehicle. In temporary insurance, the most common types of claims are:
- 🚗 Road accident (with or without third party)
- 🔥 Vehicle fire or explosion
- 🧊 Broken glass (windshield, rear window, etc.)
- ⚠️ Theft or attempted theft
- ⚡ Acts of vandalism or accidental damage
💡 Your temporary insurance contract specifies the guarantees covered (often civil liability, sometimes options such as assistance or driver protection).
2. What to Do Immediately After a Disaster?
Responsiveness is essential to ensure your temporary insurer handles your claim properly. Here are the first steps to follow:
✅ 1. Secure the premises
- Take shelter with your passengers.
- Report the accident with hazard lights, warning triangle, etc.
✅ 2. Complete an amicable report
- Note the contact details of the driver(s) involved , insurance numbers, and the exact circumstances.
- Be as precise as possible and keep a copy of the report .
✅ 3. Take pictures
- Photographs of the damage, license plates, and accident scene.
✅ 4. Contact your insurer
- Immediately call the number on your temporary certificate.
- Follow the instructions to officially report the loss.
3. Declaration of Loss: Time Limit and Procedures
📅 Declaration deadline :
You must report any claim within 5 working days , or 2 days in the event of theft .
📩 How to declare?
- By telephone with your insurer
- By email with all supporting documents
- Via an online form, if your insurer offers it
📎 Documents to provide :
- Signed amicable report
- Photos of the damage
- Copy of your temporary insurance certificate
- Vehicle registration document
- Driver's ID
💡 At KT Tempo , we support you through all these steps, with responsive support to speed up the management of your claim.
4. What Compensation Can You Expect?
Compensation depends on the type of contract you have and the guarantees included. Here are the main situations:
✅ Civil liability only :
- You are responsible: only damage caused to third parties is covered.
- You are not responsible: you will have to use the insurance of the third party involved .
✅ Temporary insurance with options :
- If you have taken out additional cover (theft, fire, glass breakage), you may be compensated for damage to your own vehicle.
⚠️ Cases not covered:
- Claims occurring outside the validity period
- Activities not provided for in the contract (undeclared professional use)
- Driving under the influence of alcohol or drugs
5. Why does KT Tempo Simplifies Claims Management?
At KT Tempo , we have designed our temporary insurance to offer simplicity, efficiency and responsiveness , even in the event of a problem:
✔️ Customer support available 6 days a week to guide you step by step
✔️ Simplified declaration procedure
✔️ Fast processing of files , with immediate acknowledgment of receipt
✔️ Civil liability guarantee systematically included
✔️ Additional options available according to your needs (glass breakage, theft, fire, etc.)
📞 Do you have a question after a disaster? Our team is here to help and reassure you.
Conclusion
Even with temporary insurance, a claim can happen. It's not inevitable: by following the procedures , you can be properly compensated and avoid complications . Thanks to KT Tempo , you benefit from comprehensive support , from subscription to claims management, so you can drive with complete confidence, even for just a few days .