If you need to make a claim, please call our claims assistance number on 0800 001 5424, so we can deal with your claim as soon as possible. If another party was involved in the accident/incident, regardless of fault, there’s no need for you to deal with them (or their insurer) – give them our details and let us deal with everything for you.
If you can, please try to obtain the contact and insurance details of any other involved parties.
The speed with which you report the claim helps us to protect your interests so please call us as soon as you safely can. You can report your claim to us 24/7.
If you need to make a claim to repair or replace damaged glass call us on 0800 092 3304, so we can deal with your glass claim as soon as possible.
We want to make your claim experience as easy as we can. So that you know just where you are in the process, there are five steps we follow, from you picking up the phone to being back on the road.
If your electric car is immobile because it’s run out of charge while you’re driving in the UK and you don’t have any valid breakdown cover, call the RAC on 0333 070 2741.
They'll send someone out to give your car a boost so you can get to the nearest electric vehicle charge point. Or they can arrange for you, your passengers and your car to be taken to the nearest electric vehicle charge point, or to your home, whichever is closer.
An excess is the amount of money you pay towards your claim. Your excess amount, which was agreed with you when arranging your insurance policy, is stated in your policy schedule.
For non-fault incidents, where someone else is known to be liable for the damage to your car, you may be able to claim your excess back from the other party.
If your car is damaged by fire, theft or vandalism, you should report the incident to the police as soon as you can. They should provide you with an incident or crime number, which you should give to us as soon as you have it.
When you have done this, we will arrange to repair your car or pay you the market value, depending on the nature of the incident and the damage that has been caused.
If you’re involved in an incident and your car is taken to one of our approved repairers, we will provide you with a car to keep you mobile, either through our network of garages or by arranging a car through another supplier. We aim to keep you on the road.
If your car is stolen or declared a total loss, we can only provide a replacement if you have elected to take the additional replacement car cover. Of course, we will aim to get your claim settled as soon as possible.
If you have lost personal belongings in the incident, you can send details of what has been lost to us; including a description of each item, its age, value and, where possible, any evidence to support your claim, such as receipts.
We will aim to settle your claim as soon as possible taking into account your insurance policy limits.
If your car can’t be repaired or is stolen and not recovered, we will pay you the market value to allow you to replace it. We calculate the market value by consulting specialist engineers, who use all the relevant information about your car to give us its true value.
If your car is less than two years old, however, you may qualify for our ‘New Vehicle Benefit’, which means we will source a brand new car, of the same type and specification where possible, to replace your old one.
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