Main Cause	Main code	Sub code	Sub cause
Accident caused by Vehicle defect/tyre blowout	a28	a01	Brake failure
		a02	Steering failure
		a03	Mechanical failure
		a04	Tyre blow out
Arson or Suspected Arson	a72	a01	Culprit Known
		a02	Culprit Not Known
Car Park	a52	a05	Both cars have collided on entry/ exit to a car park
		a06	TP collided with clients parked attended vehicle
		a07	TP collided with clients parked unattended vehicle
		a03	TP has pulled from parked position into clients attended vehicle
		a04	TP has pulled from parked position into clients unattended vehicle
		a01	TP reversed out of space into clients attended vehicle
		a02	TP reversed out of space into clients unattended vehicle
		a08	PH proceeding through or manoeuvring in a car park and TP has collided with PH
Changing Lanes	a30	a01	Insured Vehicle changing lanes
		a02	TP Vehicle changing lanes
Damage by debris from vehicle/falling object	a60	a01	Insured Vehicle damaged by debris from known TP vehicle
		a02	Insured Vehicle damaged by debris from unknown TP vehicle
		a04	Insured Vehicle damaged by falling object/material-TP known
		a05	Insured Vehicle damaged by falling object/material-TP unknown
		a03	TP Vehicle damaged by debris from Insured Vehicle
Damage Caused by weight of Insured Vehicle	a61	a02	Damage to TP (business) property
		a01	Damage to TP (domestic) property
		a03	Damage to underground services
Emerging from Parked position	a53	a03	Insured vehicle door opening
		a01	Insured vehicle emerging from parked position
		a02	TP emerging from parked position
Insured Attempted to avoid Collision	a62	a05	Avoiding animal-owner known
		a06	Avoiding animal-owner un-known
		a03	Avoiding known cyclist/pedestrian
		a01	Avoiding known TP vehicle
		a04	Avoiding unknown cyclist/pedestrian
		a02	Avoiding unknown TP Vehicle
Insured strikes parked TP Vehicle	a63	a01	Insured strikes illegally parked TP vehicle
		a02	Insured strikes legally parked TP vehicle
Insured vehicle collided with animal	a69	a01	Owner known
		a02	Owner Unknown
Insured vehicle collided with cyclist	a64	a01	Cyclist on pavement
		a02	Cyclist on Road
Insured vehicle collided with pedestrian	a71	a03	Pedestrian on crossing(not lights controlled)
		a04	Pedestrian on lights controlled crossing(lights in Insured's favour)
		a05	Pedestrian on lights controlled crossing(lights in TP's favour)
		a01	Pedestrian on pavement
		a02	Pedestrian on road/not on crossing
Insured vehicle damaged stationary TP object/property	a39	a04	Insured's own property
		a03	Street Furniture
		a02	TP(business) buildings/walls/fences
		a01	TP(domestic) buildings/walls/fences
Insured vehicle hit whilst parked/unattended	a54	a01	Insured illegally parked-TP unknown
		a02	Insured legally parked-TP unknown
		a03	Insured parked attended - TP known
		a04	Insured parked unattended -TP known
Insured vehicle left road	a70	a04	Driver error
		a03	Ice/Surface water on road
		a01	Mud/Debris/obstruction on road - responsible party known
		a02	Mud/Debris/obstruction on road - responsible party unknown
Insured vehicle struck in rear by TP vehicle (2 cars involved)	a55	a03	Insured vehicle moving forward
		a02	Insured vehicle performing 'emergency stop'
		a01	Insured vehicle stationary
Junction collision-lights controlled	a65	a02	Insured proceeded on amber light
		a04	Insured proceeded on filter light
		a01	Insured proceeded on green light
		a03	Insured proceeded on red light
Junction collision-not lights controlled	a56	a01	Both parties exiting/entering the same road
		a02	Insured vehicle on major road/TP vehicle emerging from minor road
		a03	Insured vehicle on major road/TP vehicle turning across path
		a04	Insured vehicle on major road waiting to turn into junction, TP over/undertaking
		a05	Insured vehicle overtaking
		a06	TP vehicle on major road/Insured vehicle emerging from minor road
		a07	TP vehicle on major road/Insured vehicle turning across path
Loading/unloading accidents	a66	a01	Insured vehicle loading/unloading - damage/injury to TP
		a02	TP loading/unloading ' Damage to insured vehicle
Malicious Damage	a67	a01	Vandalism/malicious damage ' culprit known
		a02	Vandalism/malicious damage ' culprit unknown
Multi-vehicle front/rear shunt	a57	a04	Insured vehicle strikes TP in rear/Insured vehicle then struck in rear
		a03	Insured vehicle strikes TP in rear/pushes it into another TP vehicle
		a02	Insured vehicle struck in rear/no frontal collision
		a01	Insured vehicle struck in rear/pushed into TP in front (Minimal Frontal damage)
Opening Door	a58	a01	Insured opened door into TP vehicle
		a02	TP opened door into clients parked unattended vehicle
		a04	TP opened door into path of clients vehicle
		a03	TP opened door into side of clients passing vehicle
Roundabout Collision	a59	a03	Insured vehicle exiting from incorrect lane
		a01	Insured vehicle joining failed to give way
		a05	Insured vehicle using wrong lane
		a04	TP vehicle exiting from incorrect lane, both vehicles established on roundabout
		a02	TP vehicle joining failed to give way
		a06	TP vehicle using wrong lane, both vehicles established on roundabout
Third Party vehicle struck in rear by Insured vehicle	a49	a04	TP braked ' brake lights inoperative
		a03	TP vehicle moving forward
		a02	TP vehicle performing 'emergency stop'
		a01	TP vehicle stationary
Vehicle collision whilst reversing	a68	a02	Both vehicles reversing
		a04	Insured vehicle strikes moving TP vehicle
		a03	Insured vehicle strikes stationary TP vehicle
		a01	TP vehicle strikes moving Insured vehicle
		a05	TP vehicle strikes stationary Insured vehicle
Vehicle coming in opposite direction/head on collision	a51	a03	Both vehicles straddling centre of road
		a01	Insured vehicle on wrong side of road
		a02	TP vehicle on wrong side of road
		a04	Vehicle collides on narrow road/lane