Independent guide — VIP Claims is not affiliated with Halifax Car Insurance.
How to Make a Halifax Car Insurance Claim
Arranged and provided via a panel of insurers selected by Halifax (part of Lloyds Banking Group); the specific underwriter is confirmed on your policy schedule
The short answer
Ring Halifax's dedicated car insurance claims line, which is staffed around the clock, as soon as you reasonably can after an incident. You don't have to call immediately after an accident, but Halifax recommends getting in touch within 24 hours while details are fresh.
Official Halifax Car Insurance claim contacts
These are Halifax Car Insurance's own contact details, published on Halifax Car Insurance's website. They are not VIP Claims numbers.
- New claim0344 209 0472
Official Halifax Car Insurance contact number · 24 hours a day, 7 days a week
Calls may be monitored and recorded
- Roadside assistance (RAC breakdown cover)0330 332 8474
Official Halifax Car Insurance contact number · Not stated
For customers with RAC breakdown cover added to their policy
- Windscreen and window damage0330 01818 889
Official Halifax Car Insurance contact number · Not stated
Or book online with AutoWindscreens
- Key cover claims0345 303 4003
Official Halifax Car Insurance contact number · Not stated
For customers with key cover added to their policy
Policy types: Cover is arranged through a panel of insurers, so the underwriter, excess, courtesy car entitlement and repairer network can differ between policyholders — always check your own policy schedule and documents.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Halifax Car Insurance 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 Halifax Car Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Halifax Car Insurance.
Step by step
How to start a Halifax Car Insurance claim
- 1Make sure everyone is safe and, if anyone is hurt, call the emergency services first.
- 2Avoid admitting fault or agreeing to pay for damage at the scene.
- 3Note the other driver's and any witnesses' names, addresses and contact details, plus vehicle registration numbers.
- 4Take photos or video of the scene and damage if it's safe to do so.
- 5Call the claims line on 0344 209 0472, available 24/7.
Before you call
Information to have ready
- Your policy number
- Date and time of the accident or incident
- Details of any third parties involved
- Details of any eyewitnesses
- Whether police or emergency services attended
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- Halifax checks your claim, including any impact on your no claims discount.
- You'll be contacted if an excess payment is due.
- You may be asked for further evidence, such as photos or dash-cam footage, which the panel insurer will assess.
- You'll be kept updated until the claim is settled.
Costs
Excess and your no-claims discount
Your claim is checked to see whether an excess applies and whether your no claims discount is affected; you'll be contacted directly if a payment is needed. Exact excess and NCD terms depend on your individual policy schedule.
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
Not detailed on Halifax's public claims pages; courtesy car provision depends on your specific policy and panel insurer, so check your policy schedule.
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
Not specified publicly which repairer network is used; this depends on which panel insurer underwrites your policy.
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 Halifax Car Insurance
- 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 Halifax Car Insurance 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 Halifax Car Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Halifax Car Insurance.
Existing claims
Tracking an existing Halifax Car Insurance claim
For updates on a claim already in progress, use the same claims number, 0344 209 0472, which operates 24/7.
If something goes wrong
Complaining about a Halifax Car Insurance claim
Not detailed with a dedicated number on the claims page reviewed; contact Halifax through your usual policy channels and ask for the complaints team if you're unhappy with how a claim has been handled.
Questions
Halifax Car Insurance claims: frequently asked questions
Do I need to report a minor bump even if I fix it myself?+
How soon after an accident should I call Halifax?+
Will dash-cam footage help my claim?+
Can I use Relay UK to contact Halifax about a claim?+
Where this came from
Sources
The Halifax Car Insurance details on this page were taken from Halifax Car Insurance's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- Halifax – Make a claim — checked 19 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 Halifax Car Insurance, 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.