Car Insurance claims

Getting you back on the road matters to us. We’re here to help, from making a car insurance claim to getting it settled. 

Before you start

Not all accidents or incidents will result in a claim being made on your policy. It’s your decision whether you want to claim on your insurance or pay for any damage to your car yourself.

Depending on the excess on your policy, for some smaller repairs it may be cheaper to pay for them yourself rather than making a claim and paying the excess.

If you haven't protected your no claims bonus, you may decide to keep this rather than make the claim.

However, you do need to notify us in all cases to ensure that our records are correct and your policy has the correct level of cover.

Not sure whether to claim?

In an ideal world, we hope that you won’t need to make a claim, but we all know that accidents can, and do happen.

If you should need to make a claim please rest assured we have a dedicated team ready to help you.

 We will aim to make the whole process as clear and as quick as possible.

If you need to make a claim, please call on 0344 2090 472.

For windscreen repairs and claims call on 0330 0181 889.

We’re available to take your call 24 hours a day, 7 days a week.

Calls may be monitored and recorded.

Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

How we'll handle your claim

Tell us about your claim

If your claim is due to a car accident you don't need to tell us straight away but we'd recommend you contact us within 24 hours if possible.

To help us process your claim you'll need to provide some details.

This could include:

  • your policy number
  • the date and time of your accident or incident
  • details of any third party involvement
  • details of any eye witnesses
  • if the police or emergency services were involved.

We’ll review your car claim

We’ll review your car insurance policy and check the details of your claim against the policy. We will advise on any excess amounts that may be applicable to you based on your policy.

We will review any No Claims Discounts you may have and whether this will be impacted.

If possible, we may ask for any additional evidence such as photographs or videos you may have taken on a dash cam to support your claim. Please be aware that not all of our insurers from our panel of insurers accept video footage. This will be discussed as part of your claim.

How we’ll settle your claim

We will aim to settle your claim as quickly as possible. The time it takes to settle a claim will depend on the type of claim made.

For instance, accidental damage may take less time to resolve than claims where there may be a third party involvement.

Your insurer will keep you up to date on the progress of your claim from beginning to end.

Lets talk

Relax. If you need to make a claim, we'll aim to get you back on the road as soon as possible. From starting your claim to getting it settled, we’ll keep it simple.

Call us on 0344 209 0472

Lines are open 24 hours a day, 7 days a week.

Need extra help?

We’ve put some frequently asked questions and answers together about making a car insurance claim.

This includes information about:

  • what you need to do if you have an accident
  • what to do if your car is stolen
  • what to do if your windscreen is damaged or broken 
  • different types of car insurance claims
  • how to make a claim
  • what happens to your No Claims Discount (NCD) is you make a claim
  • what happens if repairs need to be made to your car
  • am I eligible for Guaranteed Replacement Car Cover?

Read our making a claim FAQs

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.