Independent guide — VIP Claims is not affiliated with Lloyds Bank Car Insurance.
How to Make a Lloyds Bank Car Insurance Claim
Depends on when the policy was taken out: policies with a policy number starting '1' are underwritten by a panel arranged by Lloyds Bank, while newer policies (from 1 May 2025, numbers starting '9') are arranged with AXA Insurance UK Plc — check your policy schedule to confirm which applies to you
The short answer
How you claim depends on your policy number. If it starts with '1', call Lloyds' claims line, open 24/7. If it starts with '9', you can claim online through your account (which redirects to AXA) or call the AXA-administered claims number, except for urgent roadside help after an accident.
Official Lloyds Bank Car Insurance claim contacts
These are Lloyds Bank Car Insurance's own contact details, published on Lloyds Bank Car Insurance's website. They are not VIP Claims numbers.
Claim online at Lloyds Bank Car Insurance- New claim (policy number starting 1)0344 209 0477
Official Lloyds Bank Car Insurance contact number · 24 hours a day, 7 days a week
Calls may be monitored and recorded; +44 344 209 0477 from outside the UK
- Roadside assistance (RAC breakdown cover)0330 332 8477
Official Lloyds Bank Car Insurance contact number · 24 hours a day, 7 days a week
+44 330 332 8477 from outside the UK
- Windscreen and window damage0330 018 7503
Official Lloyds Bank Car Insurance contact number · Not stated
Or book online with AutoWindscreens
- Key cover claims0345 303 4002
Official Lloyds Bank Car Insurance contact number · Not stated
+44 345 303 4002 from outside the UK
- AXA-administered claims (policy number starting 9) – general help0330 024 6405
Official Lloyds Bank Car Insurance contact number · Not stated
Urgent roadside help after an accident, or ongoing claim queries, for newer policies handled via AXA
- AXA-administered windscreen repairs0330 024 6862
Official Lloyds Bank Car Insurance contact number · 24 hours a day, 7 days a week
Or book with Autoglass online
- AXA-administered breakdown assistance0330 024 6422
Official Lloyds Bank Car Insurance contact number · 24 hours a day, 7 days a week
Calls may be monitored and recorded
Policy types: Lloyds Bank car insurance is split by policy number prefix: older policies (starting '1') are handled through Lloyds' own claims team, while policies taken out on or after 1 May 2025 (starting '9') are arranged and administered by AXA Insurance UK Plc, with claims made through AXA's own portal and phone lines. Always check your policy schedule to see which 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 Lloyds Bank 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 Lloyds Bank Car Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Lloyds Bank Car Insurance.
Step by step
How to start a Lloyds Bank Car Insurance claim
- 1Check your policy schedule to see whether your policy number starts with '1' or '9'.
- 2For policies starting '1', call the claims line on 0344 209 0477, open 24/7.
- 3For policies starting '9', log in to your account to claim online for accidents, storm/flood damage, malicious damage, theft, lost keys or wrong fuel, or call the AXA-administered number for urgent roadside help.
- 4Note down the other driver's and witnesses' details, and take photos of the scene if safe to do so.
- 5Report the incident even if you don't intend to claim, so your records stay accurate.
Before you call
Information to have ready
- Your policy number (to identify which claims route applies)
- Date, time and location of the incident
- Details of any third parties and witnesses
- Whether the police or emergency services were involved
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- Your claim will be checked, including any effect on your no claims discount.
- You'll be contacted if you need to pay an excess or provide more evidence.
- For online claims routed through AXA, you'll get a new privacy and cookie policy to accept when you log in.
- You'll be kept updated as your claim progresses to settlement.
Costs
Excess and your no-claims discount
Lloyds states you'll be contacted if an excess is due or if your no claims discount is affected; specific figures 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 publicly on Lloyds Bank's claims pages; courtesy car provision depends on your policy terms, so check your policy schedule or documents.
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 in general terms on the claims pages; approved repairer arrangements depend on whether your policy is handled directly by Lloyds or by AXA.
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 Lloyds Bank 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 Lloyds Bank 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 Lloyds Bank Car Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Lloyds Bank Car Insurance.
Existing claims
Tracking an existing Lloyds Bank Car Insurance claim
For an existing claim, use the same claims number as when you first reported it — 0344 209 0477 for policies starting '1', or the AXA-administered number 0330 024 6405 for policies starting '9'.
If something goes wrong
Complaining about a Lloyds Bank Car Insurance claim
Not detailed with a dedicated number on the pages reviewed; a 'Making a complaint' help article exists on Lloyds' motor insurance help hub, but specific contact details require logging in or navigating that site directly.
Questions
Lloyds Bank Car Insurance claims: frequently asked questions
How do I know which claims number to use?+
Can I make a claim entirely online?+
Do I need to report an incident I don't plan to claim for?+
Is there a separate number for roadside help right after an accident on a newer policy?+
Where this came from
Sources
The Lloyds Bank Car Insurance details on this page were taken from Lloyds Bank 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.
- Lloyds Bank – 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 Lloyds Bank 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.