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Unlike traditional insurance companies, we may be able to help you if have been refused insurance by other providers.
Find the cover you need
Get the level of cover you need and choose from many optional extras available to suit your needs.
Pay the way you want
Pay in one upfront payment or spread the cost over monthly installments. Contact us for help if you need it.
Get help fast
Contact us anytime, day or night, for claims and accident support. Chat with us or browse our FAQs for quick answers.
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Specialist Insurance for Drivers and Homeowners
Powerful and Simple Insurance for Fleets and Trades
What is specialist insurance?
Acorn is a specialist insurance company helping customers that may not usually be served by standard insurers. We are your ideal partner for car, taxi, van, and non-standard home insurance, even if you don’t have a perfect driving or credit history. Get peace of mind with an insurance company that understands your unique requirements.
Existing Customers
Manage Your Policy Online
- View your documents
- Make changes to your policy
- Manage your payments
- Renew your cover
How to Make a Claim
If you’ve been in an accident our team is available 24/7 to resolve your claim as quickly as possible. Visit our dedicated page to make a claim.
Need Help?
If you have questions about our options or need help with your policy, please browse our FAQs or get in touch. We are here to serve you.
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Frequently asked questions
How do I report a claim with Acorn Insurance?
To report a claim with Acorn Insurance please use the following options.
Call our dedicated New Claims Line: 0173 2747 100 24hrs a day 365 days a year.
Want us to call you back? Then send the following text: Text “CLAIM” to 83118
Or If you would like to discuss a claim that has already been reported to us, you can do so by calling 0330 3310714 during our office opening hours, which are
Monday - Friday: 08:00 - 18:00 / Saturday: 09:00 - 17:00 / Sunday & Bank Holidays: Closed
What information do I need to provide when filing a claim?
Have your policy details, incident description, and relevant documentation ready.
Is there a time limit for filing a claim after an accident?
What documents are required to support my claim?
You will need to provide a copy of your driving licence, any photographs taken at the scene, witness statements, and any official emergency responder reports related to the incident.
How long does the claims process take with Acorn insurance?
Please ensure you provide all requested information to us in a timely fashion.
Do I need a police report to file a claim?
What deductions could be taken from your settlement?
Your policy excess amount(s).
Any damages to the vehicle that existed prior to the accident being claimed for.
Any unpaid insurance premiums.
If you have financed, hired or leased your vehicle, please consider any outstanding payments to the hire purchase company, leasing company, bank or lender.
How does Acorn Insurance value my vehicle?
We determine the value of your vehicle based on age, mileage, and condition, consulting relevant sources as needed.
How is the claim amount determined?
The claim amount is assessed based on factors like damage severity and policy coverage.
What if I disagree with the claim decision?
You may contact the Acorn claims team on 0330 3310714 to discuss concerns or refer to the policy terms for dispute resolution.
What happens if my vehicle is repairable?
What happens if my vehicle is a total loss (write-off)?
If your vehicle is beyond economical repair, our approved salvage agents will collect it, and we will take ownership. We will dispose of the vehicle according to industry guidelines and inform relevant databases. We will pay you the market value after necessary deductions.
What does Total loss mean?
Can I choose my preferred garage?
Yes, you do have the flexibility to choose a repair facility, or we can recommend one from our trusted network to avoid potential delays in the process.
When does a claim affect my No Claims Discount?
If we can recover the money that we pay for the damage to your vehicle or if we don't have to pay for the damage or loss to any other party involved in your claim, then your No Claims Discount (NCD) will not be affected. However - if the renewal date falls prior to the recovery of the repair/hire costs from the third-party insurer then your NCD will be affected.
If I make a claim for windscreen or window damage, does it affect my No Claims Discount?
What is Third party liability?
What if the other party is at fault and uninsured?
Your policy may include coverage for uninsured motorists. Contact us on 0173 2747100 and we will guide you through the process. Alternatively, you can text 83118 to request a call back.