Independent guide — VIP Claims is not affiliated with NFU Mutual.
How to Make an NFU Mutual Car Insurance Claim
National Farmers Union Mutual Insurance Society Limited (NFU Mutual is itself the underwriter, sold direct via Mutual Direct or through local agency offices)
The short answer
NFU Mutual, which underwrites its own motor policies, asks new claims to be reported 24/7 on 0808 134 4232 (option 4), while existing claims use 0800 282 652 (option 4). Third-party claims against an NFU Mutual policyholder have a separate dedicated number.
Official NFU Mutual claim contacts
These are NFU Mutual's own contact details, published on NFU Mutual's website. They are not VIP Claims numbers.
- New motor claim0808 134 4232
Official NFU Mutual contact number · 24 hours a day, 7 days a week
Select option 4 when you call
- Existing motor claim0800 282 652
Official NFU Mutual contact number · Mon-Fri 8am-6pm
Select option 4 when you call
- Third-party claims against an NFU Mutual policyholder0808 304 8758
Official NFU Mutual contact number · Mon-Fri 8am-6pm, Sat 9am-2pm
Select option 1 when you call
- Roadside assistance0800 282 652
Official NFU Mutual contact number
Select option 1 when you call
- Motor Legal Protection (via DAS)0800 587 8876
Official NFU Mutual contact number · Claims office Mon-Fri 9am-5pm; helpline 24/7
DAS Legal Expenses Insurance Company Ltd provides this service free to members
- Mutual Direct policy queries0800 072 5569
Official NFU Mutual contact number · Mon-Fri 8am-8pm, Sat 9am-12:30pm, Sun closed
For customers who bought their policy from Mutual Direct (policy numbers ending 'N19')
Policy types: How you contact NFU Mutual for policy changes depends on whether you bought through Mutual Direct or a local agency office; agency office contact details are shown on your policy documents. Claims contact numbers themselves are the same regardless of how the policy was bought.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own NFU Mutual 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 an NFU Mutual number. VIP Claims Ltd is not affiliated with or endorsed by NFU Mutual.
Step by step
How to start a NFU Mutual claim
- 1Notify NFU Mutual immediately if your vehicle has been involved in an incident, even if you don't intend to claim yourself
- 2Call 0808 134 4232 and select option 4 to start a new claim
- 3Have your details and the incident information ready
Before you call
Information to have ready
- Your name and address
- Vehicle registration number
- Details of any third parties involved
- Date and circumstances of the incident
- An indication of the claim's value, such as purchase price, replacement cost or extent of damage
- Your contact number
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- NFU Mutual will give you help and advice, including handling any claim made against you by another party
- Windscreen repairs and replacements can be booked with one of NFU Mutual's preferred glazing suppliers
- A Motor Claims Guide is available explaining what happens next and which partners you may hear from
Costs
Excess and your no-claims discount
Specific excess and no claims discount figures are set out in each customer's own policy schedule and were not published on the pages reviewed.
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
Courtesy car entitlement is set out in individual policy terms and was not detailed on the claims pages reviewed.
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
NFU Mutual works with preferred glazing suppliers, including National Windscreens, Auto Windscreens and Allscreens Nationwide, for windscreen repair and replacement bookings; other repairer arrangements are confirmed when a vehicle claim is made.
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 NFU Mutual
- 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 NFU Mutual 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 an NFU Mutual number. VIP Claims Ltd is not affiliated with or endorsed by NFU Mutual.
Existing claims
Tracking an existing NFU Mutual claim
For updates on an existing claim, call 0800 282 652 and select option 4, available Monday to Friday 8am-6pm.
If something goes wrong
Complaining about a NFU Mutual claim
A complaints process is referenced within NFU Mutual's customer guidance; consult your policy documents or contact your local agency office for details.
Questions
NFU Mutual claims: frequently asked questions
What if I'm not making a claim myself?+
How is claiming through NFU Mutual different if I hit an NFU Mutual policyholder?+
How do I make a Motor Legal Protection claim?+
Does it matter if I bought my policy from an agency office rather than Mutual Direct?+
Where this came from
Sources
The NFU Mutual details on this page were taken from NFU Mutual's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- NFU Mutual – Motor Insurance Claims — checked 5 June 2025
- NFU Mutual – Contact us: Motor Insurance — checked 5 June 2025
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 NFU Mutual, 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.