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Motor insurance claim

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How to make a claim

If your vehicle has been involved in an incident, please tell us about it immediately.

Even if you’re not making a claim for your own losses, you may find yourself facing a claim from the other person involved. We will give you help and advice and deal with any claims made against you

Call us on our 24 hour claims service help line on 0800 282 652 (for security and training purposes calls may be recorded and monitored).

Glass repair and replacement

You can book a hassle free appointment online with a technician from Autoglass, NFU Mutual's preferred glazing supplier.

A claim to repair or replace your car windscreen will not affect your no claims discount. Find out more about glass repairs in our motor claims guide.

Book Online

Motor claims guide

No matter who you are or what you drive, an accident can happen at any time. NFU Mutual's motor claims guide explains what to do after a motor accident and deals with what happens next to you and your vehicle and anyone else involved. It tells you what we can do to help and which of our trusted partners you can expect to hear from.

Read our guide

Your policy document will explain precisely what is and is not covered.

Please read your policy in detail before making a claim.

Claims FAQs

Emergency numbers

For assistance with breakdown* repair* and recovery*, accident recovery, windscreen replacement and approved repairs contact us any time of day or night:

Out of office hours you can also ring:

  • For private cars 0800 282 652
  • For fleet vehicles 0800 783 6092
  • For commercial vehicles 0800 783 6093
  • For horseboxes 0800 783 6091

While travelling abroad with your vehicle for emergency assistance* contact our English speaking operators on one of the following numbers:

  • From France 0800 22 92 92 (free call)
  • From anywhere else in the EU +33 145 16 64 65

(You can reverse the charges for this call or ask one of our operators to call you back)

* Access to our emergency helpline is available to all NFU Mutual motor insurance customers for emergency advice and to help locate emergency roadside assistance. If you have paid an additional premium for roadside assistance in the UK and/or the EU we will also provide a host of benefits to help repair or recover your vehicle. For details please check your policy documentation.

When do I call the police and who else might I need to call?

You must call the police as soon as possible for any incident that involves loss of personal possessions, theft, malicious damage, or personal injury. Remember to obtain an incident reference number.

If you damage someone else's property and that person cannot be contacted.

Report any lost credit cards to the issuing company.

You can report claims over the phone to NFU Mutual, for details select the appropriate product button.

For emergency assistance helplines select the appropriate product button.

What do I do if someone else (a third party) is involved?

Exchange name and contact details.

It may also be useful to obtain details of any witnesses.

What happens once I've submitted my claim?

Any emergency repairs will be authorised without delay.

We will acknowledge your claim in writing.

If we need further details we will ask for them at this point. Included in this acknowledgement will be contact details to allow you to follow the progress of your claim.

We aim to settle all claims as quickly and as fairly as possible. However, delays may occur where we need to contact you for additional information, or where a claim is complicated, or where a third party is involved. If you need to check on the progress of your claim do not hesitate to contact us.

What if I have a complaint?

We welcome your views on any aspect of our service and if we fail to meet your expectations, in the first instance please contact us on the number given on your claim acknowledgement, or as indicated for the appropriate product on the "Reporting a claim." page.

More details about how to make a complaint can be found in our complaints section.