UKChurchill Churchill Car Insurance – Claims, Cover & Accident Assistance
Find information about Churchill motor insurance, how to report an accident, and the independent assistance available following a non-fault collision.
What to do immediately after an accident
Four things to do before you leave the scene. Your insurer will ask about all of them.
Make it safe
Stop, hazards on, and get everyone out of traffic. Call 999 if anyone is hurt or the road is blocked.
Swap details
Names, addresses, phone numbers, registrations and insurers of every driver involved. You must stop and give your details by law.
Record evidence
Photos of the road and all damage. Note the time, place and weather, and get any witnesses' names and numbers.
Don't admit fault
Stick to the facts. Fault is decided later by the insurers, based on the evidence.
Independent non-fault accident assistance
If you're a Churchill customer and another driver caused the accident, our independent team can help you get back on the road.
- Accident assistance. Someone to talk you through what happens next, from the first call onwards.
- Vehicle recovery. If your car can't be driven, we can arrange for it to be recovered.
- Replacement vehicle. Where the other driver was at fault, a replacement car while yours is off the road, subject to eligibility.
- Vehicle repairs. Repairs at an approved garage, or you can choose your own repairer.
- Claims guidance. Plain explanations of how a non-fault claim works and what you'll need.
Eligibility. These services are for drivers who were not at fault. We'll check your situation first and explain any conditions and any agreement involved before anything is arranged. Nothing is arranged without your agreement.
If you were injured. We deal with hire and repair. The firm we pass your claim to can recommend solicitors who handle personal injury claims.
Involved in a non-fault accident?
Our independent team can explain your options for accident recovery, vehicle repairs and replacement vehicles, subject to eligibility.
Speak to our independent accident assistance team: 0333 344 7762Lines open 24 hours a day, 7 days a week.
Churchill accident and claims questions
What should I do immediately after a car accident?
Make the scene safe and call 999 if anyone is hurt. Exchange names, addresses, registrations and insurance details with the other drivers, take photos, note witnesses, and don't admit fault.
Can I get help after a non-fault accident?
Yes. If another driver was at fault, our independent team can arrange recovery, repairs and a replacement vehicle, subject to eligibility. Call 0333 344 7762.
What information will I need to report an accident?
Your policy number and registration, the date, time and place, what happened, the other driver's name, address, registration and insurer, photos, and any witness details.
Can I arrange a replacement vehicle?
If another driver was at fault, we may be able to arrange a replacement vehicle similar to your own while yours is off the road, subject to eligibility. Call 0333 344 7762.
What happens if another driver caused the accident?
The other driver's insurer should cover your losses. We can help you get your car repaired and keep you mobile while the claim is made against the driver at fault.
Will I lose my No Claims Bonus?
If the accident is shown not to be your fault and the other side pays, your No Claims Bonus is usually unaffected. If you were at fault, it may be affected unless you have No Claims Bonus protection.
Can I choose my own repairer?
Yes. It's your right to choose who repairs your car, although insurers may point you towards their own approved garages.
About Churchill car insurance
Churchill is a Direct Line Group brand, and so part of Aviva since July 2025. Its car policies are underwritten by U K Insurance Limited. Customers can report claims online, through the Churchill app or by phone.
For quotes, policy details and cover, visit Churchill's official website: churchill.com. We don't sell Churchill policies.
Reporting an accident to Churchill
If you're insured with Churchill, tell them about any accident as soon as you can, even if you don't plan to claim on your policy.
Churchill's official claims contact
Churchill claims line. This is Churchill's own number, not ours.
Churchill also lets you report a claim online or in their app.
Churchill claims page on churchill.com
Contact details checked on Churchill's website on 9 October 2026. Always confirm against your policy documents.
Have this ready when you call
- Your policy number and vehicle registration
- Date, time and exact location of the accident
- What happened, in your own words
- The other driver's name, address, registration and insurer
- Photos of the scene and damage
- Names and numbers of any witnesses
- A police reference number, if the police attended
Contacting Churchill
How do I report an accident to Churchill?
Call Churchill's claims line on 0345 878 6261, or report it online or in their app. The number is also in your policy documents. Report it as soon as you can, even if you don't intend to claim.
How do I contact Churchill about an existing policy?
Use Churchill's own customer service contact details, on churchill.com or in your policy documents. We can't access or change your policy.
Is Online Motor Claims part of Churchill?
No. Online Motor Claims is an independent service and is not affiliated with, endorsed by or operated by Churchill.