Independent guide — VIP Claims is not affiliated with Churchill.
How to Make a Churchill Car Insurance Claim
U K Insurance Limited
The short answer
Churchill offers 24/7 online and app-based claims, which it says can be quicker than calling, alongside a phone route if you'd rather speak to someone. Windscreen and breakdown issues are directed to Churchill's specialist partners.
Official Churchill claim contacts
These are Churchill's own contact details, published on Churchill's website. They are not VIP Claims numbers.
Claim online at Churchill- Speak to claims team
Official Churchill contact number
Use the 'Speak to our claims team' option on the car claims help page, which routes you to the right team by phone based on why you're calling.
- Complaints0800 051 0122 or 0345 603 3550
Official Churchill contact number
- Breakdown cover (Green Flag)0800 400 665
Official Churchill contact number · 24/7, 365 days a year
- Windscreen/glass claims (Autoglass)
Official Churchill contact number
Book online via Churchill's Autoglass claims page.
Policy types: Cover levels and add-on benefits such as courtesy car, Guaranteed Hire Car Plus and Protected No Claim Discount depend on the policy you hold, so check your own schedule for what applies.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Churchill policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Churchill number. VIP Claims Ltd is not affiliated with or endorsed by Churchill.
Step by step
How to start a Churchill claim
- 1Sign in to your Churchill account or app and select 'Make a claim' or 'Report an incident'.
- 2Add the details of what happened, along with any photos, videos or dashcam footage.
- 3If you'd rather talk it through, use 'Speak to our claims team' on the car claims help page to be connected.
Before you call
Information to have ready
- Your policy number and vehicle registration
- Date, time and location of the incident
- Details of anyone else and any other vehicles or property involved
- Photos or video evidence of the damage
- Whether the police attended and any reference number
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- You'll receive confirmation once your claim is logged.
- Track repair progress and add further information through your online account or the Churchill app.
- You'll be kept updated as Churchill's garage network progresses any repair.
Costs
Excess and your no-claims discount
The excess you pay and how a claim affects your No Claim Discount depend on your policy and cover level; details are set out in your policy schedule and booklet, including whether you have Protected No Claim Discount.
Your policy schedule sets your compulsory and voluntary excess — check it before assuming an amount. See also our guide to non-fault claims.
Staying mobile
Courtesy car or replacement vehicle
Where your policy includes it, a courtesy car is provided free of charge for the duration of the repair while an approved repairer fixes your car, subject to availability.
Provided under your own cover, usually only while the car is with an approved repairer, and typically a small standard model.
Where another driver is at fault and you are eligible, a like-for-like vehicle may be arranged as part of the claim against them.
A hire vehicle supplied on credit, with the cost pursued from the at-fault insurer. Subject to eligibility and your obligations if the claim fails.
None of these is automatic. Read more in our replacement vehicle guide.
Repairs
Approved repairers and your choice of garage
Churchill uses a network of approved repairers to carry out repairs following a claim.
Your options
If the accident wasn't your fault
After a non-fault accident you generally have three routes. Which suits you depends on your cover, your excess, and how quickly you need a vehicle.
Claim through Churchill
- Simplest single point of contact.
- Your excess is usually payable first and recovered later if liability is admitted.
- The claim is recorded against your policy, which can affect renewal even when you are not at fault.
Claim against the at-fault insurer
- No excess payable to your own insurer.
- You deal directly with the other side, which can be slower if liability is disputed.
- You are responsible for evidencing your losses.
Use an independent accident manager
- VIP Claims can handle repairs, recovery and the claim where you are eligible.
- Services are subject to eligibility and the circumstances of the accident.
- Not guaranteed, and not a substitute for your policy obligations.
Whichever route you choose, most motor policies require you to notify your own insurer of the accident, even if you do not make a claim on your own policy. Check the notification condition in your policy wording.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Churchill policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Churchill number. VIP Claims Ltd is not affiliated with or endorsed by Churchill.
Existing claims
Tracking an existing Churchill claim
You can check the status of an open claim, see repair updates and add extra details by signing in to your Churchill account or app.
If something goes wrong
Complaining about a Churchill claim
Churchill customers can call, use its online complaints form, or write to its Customer Relations Manager to raise a concern, with the option to refer unresolved complaints to the Financial Ombudsman Service.
Questions
Churchill claims: frequently asked questions
Can I claim through the Churchill app?+
How do I contact Green Flag for a Churchill breakdown?+
Will a claim affect my Churchill No Claim Discount?+
How are windscreen claims handled for Churchill policies?+
Where this came from
Sources
The Churchill details on this page were taken from Churchill's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- Churchill car claims help — checked 30 August 2026
- Churchill claims overview — checked 30 August 2026
- Churchill complaints — checked 30 August 2026
Read our editorial policy and correction process.
Related guides
- Non-fault claims explainedYour rights and options when the accident wasn't your fault.
- What accident management isHow an independent accident manager differs from your insurer.
- Replacement vehiclesCourtesy cars, like-for-like hire and who pays for them.
- Car accident checklistWhat to do and record in the first minutes after a crash.
- Write-offs and total lossHow valuations work and how to challenge a low offer.
Other insurer claim guides
VIP Claims Ltd is an independent UK accident management company. We are not affiliated with, appointed by or endorsed by Churchill, and we are not an insurer. This guide is general information, not legal or financial advice.
Our services — including replacement vehicles, repairs and excess recovery — are subject to eligibility and the circumstances of your accident, and are not guaranteed. You should check your own policy for its accident notification requirements.