Independent guide — VIP Claims is not affiliated with Post Office Insurance.
How to Make a Post Office Insurance Claim
Post Office Motor Insurance is arranged and administered by BISL Limited on behalf of Post Office Management Services Limited, drawing on a panel of insurers; the specific underwriter is confirmed on your policy schedule
The short answer
Call Post Office's UK-based claims line, which is open 24/7, to report an accident, theft or other incident. For policy queries, payments or cancellations rather than a new claim, use the separate customer service number instead.
Official Post Office Insurance claim contacts
These are Post Office Insurance's own contact details, published on Post Office Insurance's website. They are not VIP Claims numbers.
- New claim0345 073 1005
Official Post Office Insurance contact number · 24 hours a day, 7 days a week
- Customer service (policy queries, payments, cancellations)0345 073 1002
Official Post Office Insurance contact number · Mon-Fri 8am-8pm, Sat 9am-5pm, Sun & bank holidays 10am-4pm
- Renewals0330 018 4082
Official Post Office Insurance contact number · Not stated
Policy types: Post Office now offers three tiers of car cover — Gold, Silver and Bronze — plus separate under-50s, over-50s and van insurance products; claims-line details are the same across these, but included benefits and repair guarantees vary by tier, so check your own policy schedule.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Post Office 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 Post Office Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Post Office Insurance.
Step by step
How to start a Post Office Insurance claim
- 1Call the claims helpline on 0345 073 1005, open 24 hours a day, 7 days a week.
- 2Have your policy number and incident details ready.
- 3For non-claim queries such as payments or renewals, use the customer service number, 0345 073 1002, or renewals line, 0330 018 4082, instead.
Before you call
Information to have ready
- Your policy number
- Date, time and location of the incident
- Details of any third parties or witnesses involved
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- Your claim is assessed, with repairs carried out by Post Office's approved engineers where applicable.
- Repairs completed by approved engineers come with a 3-year guarantee.
- You may be contacted about excess payments or further evidence needed.
Costs
Excess and your no-claims discount
Specific excess and no claims discount figures are not detailed on the general help pages reviewed; note that Post Office does not offer named-driver no claims discounts on any of its motor insurance products — only the policyholder can build no claims 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
Not detailed with specific terms on the pages reviewed; an Enhanced Courtesy Car option can be added to some policies for an extra cost, but base entitlement depends on your policy tier (Gold, Silver or Bronze).
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
Post Office highlights a 3-year guarantee on repairs carried out by its approved engineers, but the specific repairer network was not named on the pages reviewed.
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 Post Office 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 Post Office 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 Post Office Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Post Office Insurance.
Existing claims
Tracking an existing Post Office Insurance claim
For updates on an existing claim, use the same claims line, 0345 073 1005, which is open 24 hours a day, 7 days a week.
If something goes wrong
Complaining about a Post Office Insurance claim
Not detailed with a dedicated number on the car insurance help pages reviewed; general Post Office complaints can be raised via the 'Get in touch' page, but a claims-specific complaints route was not confirmed.
Questions
Post Office Insurance claims: frequently asked questions
Is the Post Office claims line open at night?+
Do named drivers build up their own no claims discount?+
What happens if I want to opt out of auto-renewal?+
How long is the guarantee on repairs after a claim?+
Where this came from
Sources
The Post Office Insurance details on this page were taken from Post Office Insurance's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- Post Office – Car and van insurance help and support — checked 19 August 2026
- Post Office – Car insurance — 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 Post Office 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.