Motor claim
Need to make a motor claim? Find the information you are looking for here
What you'll need before you begin
Policyholder name along with policy number and driver details
Vehicle Registration, make and model and any passenger details
Circumstances with exact location, date, time, weather, speed
Vehicle damage, photographs and any dashcam footage
Details of any police involvement with incident reference
Witness details and sketch of road layout, vehicle positions
TP driver name, contact number and vehicle registration number
Have our mobile claims app?
Report your claim via the app. Like to learn more? Contact your Account Handler.
Notify us of your claim
Please select your branch from the dropdown list below, all online claims notifications will be reviewed within 48 hours. Please complete as much information as possible so that we can help process your claim. To assist with the detail, please utilise the downloadable claim form below.
Claims contact number
Out of hours number
Claims email address
Motor Incident Report Form
Download our Motor Incident Report Form, complete the details and send back to our dedicated claims team.
What happens next?
Insurers will triage and pass to an approved repairer
Post estimate, the insurer will desktop or instruct an engineer
Courtesy car may be provided but could delay repair period
Total loss requires the V5, keys, then a Pre Accident Value
Insurers may request sight of a tracker and/or tachograph
Details of any applicable lease/financial company interest
Frequently asked questions
Answers to questions that you might find useful. Can't find what you're looking for? Get in touch, our dedicated claims team will be happy to help.
Will my No Claims Bonus (NCB) be affected?
Typically, your Bonus will be temporarily affected whilst the claim is being dealt with. It will be reinstated on the settlement of a non-fault claim. You will lose between 2-3 years bonus following a fault incident.
Do I need to provide an estimate for repairs?
You will if you wish to use a repairer of your own choice. Using the insurers authorised repair avoids this process and may include the benefit of a courtesy car.
Will my premium increase following a claim?
Possibly, however difficult to confirm as other claims under the policy will be considered in addition, market conditions will also be relevant and until the claim settles reserves are applied based on information available at the time.
How long will my claim take?
It is difficult to advise, and every claim is different. We will ensure we monitor your claim from report to ensure the claim is progressing. We will provide an update to you, when necessary.
What is a policy excess?
This is the portion of the claim you are responsible for paying. Please refer to your policy schedule to identify the applicable excess.
How long do I have to report a claim?
Generally, insurers require you to report all matters as soon as you are aware, or the incident happens. Please consult your policy Terms &Conditions to confirm any specific requirements.
Will the vehicle be towed from the accident site?
Yes, most policies will include the recovery of the vehicle from the incident location to an authorised repairer.
How will the claim be paid?
If you are using the services of an authorised repairer, payment will be made direct to the garage by the insurance company. You will be responsible for paying the policy excess on collection of your vehicle. Other arrangements can be made in the case of non-approved repairers, or if your vehicle is deemed to be a total loss.
How long will it take to receive a payment?
Once payment has been raised, the electronic transfer of funds usually takes between 3 – 5 working days.
Can I claim for my injury?
Depending on your policy, you may be covered for bodily injury following a motor accident. If you have legal cover, you can also seek advice on making an injury claim.
What happens if the accident isn’t my fault?
Ultimately, it should have no effect on your policy. A recovery will be made for the claim cost in repairing your vehicle from the insurers for the at fault Third Party. Assistance can also be given in recovering your policy excess and other uninsured losses.
Will I be required to attend court?
If there is a dispute over who was at fault for the accident, and liability cannot be agreed between insurers, often the only resolution is through court. As the driver, you can be called upon to give evidence before a judge at a court hearing.
Will I have to pay VAT?
If you are registered for VAT, then the insurer will likely make a tax exclusive payment. Your accountant/accounts team will then recover the VAT element from HMRC on your VAT return.