Make a car insurance claim

It's reassuring to know you've got cover should something unexpected happen. We’ll aim to get you back on the road as soon as possible if you need to make a claim.

Getting started

When you rely on your car, you can count on us to keep you on the road. If you need to make a car insurance claim we’ll keep things as simple as possible.

Step 1 - To claim or not to claim? 

Not all accidents or incidents will result in a claim being made. Depending on the excess on your policy, it may be cheaper to pay for smaller repairs instead of making a claim and paying the excess. 

If you have built up several years No Claims Discount (NCD) you may prefer to protect this rather than make a claim.

Whether you decide to make a claim or pay for the repairs yourself, you do need to notify us. This is to ensure that our records are correct and your policy has the correct level of cover.

Step 2 - Getting in touch

If you need to contact us to make a claim please rest assured we have a dedicated team ready to help you. A claims consultant will work closely with you and keep you informed on the progress of your claim. We will aim to make the whole process as simple as possible.

For car insurance claims call - 0344 209 0477

For windscreen repairs call - 0330 018 7503 or book online.

For Keycare Cover call - 0345 303 4002

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

Calls may be monitored and recorded.

Lloyds Bank 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 look after your car insurance claim

Here’s what you can expect if you need to make a claim against your Lloyds Bank Car Insurance policy. 

What happened?

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

Here’s what we’ll ask you for:

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

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

Reviewing your claim

We’ll review your car insurance policy and check the details of your claim against your level of cover.

We will advise on any excess amounts that may be payable based on your policy.

We will discuss any No Claims Discounts (NCD) you may have and whether this will be impacted when you make a claim.

We may ask you for any additional supporting evidence, if available. This could include photographs or video footage you may have taken on a dash camera. Please note, not all insurers from our panel of insurers accept video footage. This will be discussed as part of your claim.

Completing your claim

We know that making a car insurance claim can sometimes be quite stressful. Your insurer will keep you up to date on the progress of your claim from start to finish.

Our aim is to settle your claim as soon as possible, so we can get you back on the road. The time taken to settle your claim will depend on the type of claim made. and how complex it is.

For instance, accidental damage will take less time to complete than a claim where a third party is involved.

Get in touch 24 hours a day 7 days a week

Get in touch 24 hours a day 7 days a week

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.

0344 209 0477 Call 0344 209 0477

Self-Service Centre

If you need to check your car insurance policy for any reason. This can be done online with our Self-Service Centre. This service is available 24 hours a day, seven days a week.

With the Self-Service Centre, you can:

  • add or remove additional drivers
  • change your address or contact details
  • change your vehicle, it's use and cover level needed
  • change your payment details or make payments
  • view, download or print your policy documents.
Log on to My Account Log on to Self-Service Centre

Frequently asked questions

We’ve put together some of the most frequently asked questions 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
  • what happens to your No Claims Discount (NCD) is you make a claim
  • what happens if repairs need to be made to your car
  • Guaranteed Replacement Car Cover eligibility