UKLancaster Insurance Lancaster Car Insurance: Accident Help, Claims & Contacts
Had a crash with Lancaster Insurance as your insurer? See how to report it, who to contact, and the help you can get if the other driver was to blame.
First steps at the scene
Do these four things before you drive away. Your insurer will want to know about each one.
Stay safe
Pull over, switch on your hazard lights and move everyone away from passing traffic. Ring 999 if someone is injured or the road is blocked.
Exchange details
Take the name, address, phone number, registration and insurer of each driver. The law says you must stop and give yours too.
Take photos
Photograph every damaged vehicle and the road layout. Write down the time, place and weather, and ask any witnesses for their contact details.
Keep to the facts
Don't apologise or accept blame at the roadside. The insurers decide who was at fault later, from the evidence.
Help when it wasn't your fault
Insured with Lancaster Insurance and someone else caused the crash? We can help you get back behind the wheel.
- Help from the first call. A real person who explains each step and stays with you until your car is back.
- Recovery. If your car isn't safe to drive, we can organise for it to be collected.
- A car to drive meanwhile. When the other driver was to blame, a replacement car while yours is being fixed, subject to eligibility.
- Repairs. Your car fixed at an approved garage, or at a repairer you pick yourself.
- Straight answers. How a claim against the other driver works, in plain English, and what you'll need for it.
Who can use this. These services are for drivers who weren't to blame. We check your circumstances first and explain any conditions, and any agreement you would be signing, before we arrange anything. Nothing happens unless you agree to it.
If you were hurt. Our part is the hire car and repairs. The firm we pass your claim to can recommend solicitors who deal with personal injury claims.
Someone else hit you?
Ring us and we'll talk you through recovery, repairs and a replacement car, subject to eligibility.
Talk to our accident help team: 0333 011 0134Lines open Monday to Friday, 9am to 5:30pm.
Lancaster drivers: your questions answered
What should I do straight after a crash?
Get everyone safe and ring 999 if anyone is hurt. Swap names, addresses, registrations and insurer details with the other drivers, take photos, get witness details and don't accept blame.
Can you help if it wasn't my fault?
Yes. When another driver caused it, we can organise recovery, repairs and a replacement car, subject to eligibility. Ring 0333 011 0134.
What details do I need to report it?
Your policy number and registration; when and where it happened; a short account of what happened; the other driver's name, address, registration and insurer; photos; and witness details if you have them.
Can I get a replacement car?
If the other driver was to blame, we may be able to provide a car like yours while it's off the road, subject to eligibility. Ring 0333 011 0134.
Who pays if the other driver caused it?
Their insurer should cover your losses. We can help get your car fixed and keep you on the road while the claim goes to the driver at fault.
Does this affect my No Claims Bonus?
Usually not, if it's shown you weren't at fault and the other side pays. If you were at fault it can be affected, unless your No Claims Bonus is protected.
Can I pick the garage?
Yes. You have the right to choose who repairs your car, even if an insurer suggests one of its own garages.
About Lancaster car insurance
A classic and enthusiast vehicle specialist, trading under Insurance Factory Limited, covering classic cars, campervans, kit cars, military vehicles and modified or performance cars. It is closely tied to classic car clubs and events.
For quotes, policy details and cover, visit Lancaster Insurance's official website: lancasterinsurance.co.uk. We don't sell Lancaster Insurance policies.
Reporting an accident to Lancaster Insurance
Let Lancaster Insurance know about any accident quickly, even if you don't intend to claim on your policy.
Lancaster Insurance's official claims contact
Lancaster Insurance claims line. This is Lancaster Insurance's own number, not ours.
Lancaster Insurance claims page on lancasterinsurance.co.uk
Contact details checked on Lancaster Insurance's website on 9 October 2026. Always confirm against your policy documents.
Have these to hand before you ring
- 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 Lancaster Insurance
How do I report an accident to Lancaster Insurance?
Call Lancaster Insurance's claims line on 01480 484802. 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 Lancaster Insurance about an existing policy?
Use Lancaster Insurance's own customer service contact details, on lancasterinsurance.co.uk or in your policy documents. We can't access or change your policy.
Is New Motor Claims part of Lancaster Insurance?
No. New Motor Claims is independent. Lancaster Insurance doesn't own, run or endorse us, and we aren't affiliated with them.