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Make a claim
When accidents happen we’re here for you.
We are available 24/7 to resolve your claim as quickly as possible.
Motor claims
Report any accident of any kind to us within 24 hours, even if you don't intend to make a claim.
Contact motor claims line
Use our Virtual Assistant
Window & glass
If you need to make a claim, our partners at Auto Windscreens will handle it all for you.
Book an appointment
Call Auto Windscreens
Breakdown assistance
This number is for customers that have breakdown assistance on their policy.
Call our breakdown line
Use our Virtual Assistant
Always claim directly with us
Repair your vehicle through our repair network which guarantees the quality of your repair.
Get roadside accident recovery fast.
You may get a replacement vehicle if you need one
Our claims inspectors act immediately to protect your policy from excessive costs.
We have dedicated intelligence teams who use cutting edge technology to fight fraud.
We have a network of solicitors to help you recover uninsured losses where we determine that you are not at fault for the accident.
What you'll need to make a claim
Have your policy reference to hand
You can find your insurance policy number on any correspondence you have from us. 
Prepare a list of losses, if applicable
We will require details of everything that may be damaged or lost. 
Provide as much detail as you can
The more we know, the quicker we can help you. Withholding any information may impact your claim. 
Proof of ownership may be required
Please be ready to provide receipts of valuations, if required. 
Frequently asked questions
How do I make a claim?

Call us as soon as possible on 01732 747 100. We’re available 24/7 to help.

Do I need to report all incidents, even if I’m not claiming?

Yes. You must report any incident within 24 hours, even if you don’t intend to make a claim (please note: we will log this as notification only).

What information will I need to give?

We’ll ask for the date, time and location of the accident, plus details of the other drivers, vehicles, and any witnesses. Photos of the scene are helpful too.

What happens to my car after an accident?

If your car can be fixed, we’ll arrange repairs through our approved repairers. If it can’t, we’ll talk you through the next steps.

Can I use my own repairer?

Stick with our network: use our approved, preferred repairers for quality and convenience. If you prefer another, please check with us first.

Will I lose my No Claims Discount if I make a claim?

If the accident wasn’t your fault and we can recover all costs from the other driver, your No Claims Discount may not be affected. If it is a fault claim, your discount could be reduced.

Will my premium go up if I make a claim?

This is a possibility: it depends on the nature of the claim and your policy. We’ll discuss this and any changes to your payments with you at renewal.

What should I do at the scene of an accident?

Stay calm, collect details, take photos, and call us. Don’t admit fault or agree to anything at the roadside.

Are there any more articles about making a claim on the Carrot website?

Yes, our Help Centre has many useful articles for you to read. For further guidance on how to make a claim, check out How to Make a Claim: Step-by-Step, What is the Claims Process Following an Accident? and You’ve had an Accident – Here’s What to do Next.