I hate to tell you, but the time for them to make a claim is 3 YEARS!
I know, because about 18 months ago, I was setting off at a roundabout, there were no cars on it or coming from the right and the car in front of me, (had 2 young Asian lads in it) just stopped dead on the roundabout and I hit the back of it. I was only doing about 5mph but they claimed for whiplash and said I had written their car off for £12,000! The damage to my car cost £26 to fix. What a joke, I had an accident investigater come to my house and my insurance company said they know of these 2 men and they are a known scam team and they think the accident was staged. I was asked to be a witness in court but I have heard nothing since, I rang my insurance company as I have lost my No Claims Bonus and they said the other party has 3 years in which to bring a claim! I am furious as I cannot afford insurance now, my Dad bought me some as a present for this year, but I don't know what I will do when it runs out.