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I know enough to be dangerous
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Insurance contracts are typically for a fixed term. If a claim arises in that term, you are covered, regardless of whether the payout occurs after the expiry of the term.
BUT insurance contracts also typically include an obligation to notify the insurer of any circumstances that might give rise to a claim as soon as possible. So if you've already had a ding, you're probably already obliged to notify the insurer even if you're not making a claim (yet).
Depending on just how dastardly your particular insurer is, if you notify them after the policy has expired, they might refuse cover on the basis that you didn't notify them sooner.
BUT BUT obviously everything depends on the specific wording of your policy. You'll note the "typical" disclaimers. In fact, just to be safe, don't listen to a word I've said. 
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Involuntary autocorrect in operation on mobile device. Apologies in advance.
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