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Extra Virgin -  July 2011

We have a winner

She's your baby, your beauty, your wheels, the one that you just can't go a day without – could you imagine if something were to happen to her? Of course not. That's why we've put together a list of everything you need to know about car insurance when you're in an accident.

Only an approved towing service will do – don't just send her off with anyone – call your insurance company and let them arrange for an approved towing service. That way, your car will be safe and you'll be covered and you won't have to pay towing costs.

List all damage and injuries – we promise this will pay off, so always keep your cool after an accident and list everything that's been damaged. Do a walkabout around your car and take a few snapshots of everything if you can. Once that's done, check yourself out for any injuries.

File an accident report – your car is probably the only thing on your mind right now, but you have to remember to make a statement with the police. Write your own statement down in plain and simple English. Here's a little secret to make the process run smoothly: tell the truth. Honesty is always the best policy, and in this case, the only way to get your baby back in her original condition.

Collect details – fancy yourself a Sherlock Holmes perhaps? Now's your chance to play detective – take down everyone's names, phone numbers, addresses, insurance details and registration numbers if you want things to go down without any hiccups.

Speak to your insurance company – once you've done all the hard work, talking to your insurance company will be a breeze. Insurance companies love evidence – and Virgin Money is no different – so take your lists and photographs with you.

Click here for an easy to remember printable copy and store in your glove compartment in case you ever need it.