Acorn Insurance

Make a claim

When accidents happen we’re here for you.
Our team is available 24/7 to resolve your claim as quickly as possible.

Motor claims

Report any accident of any kind to us within 24 hours, even if you don’t intend to make a claim.

24 hour / 365 days a year
Or Text “CLAIM” to 83118

Windows & glass

If you need to make a claim, our partners at Auto Windscreens will handle it all for you.

Breakdown assistance

This number is for customers that have breakdown assistance on their policy.

24 hour / 365 days a year

Home claim

Report home insurance claims promptly to avoid delays and additional evidence requirements.

Mon-Fri 9am-5pm

Which product would you like more information on?

Always claim directly with us

  • Repair your vehicle through our repair network which guarantees the quality of your repair.
  • Get roadside accident recovery fast.
  • You may get a replacement vehicle if you need one.
  • Our claims inspectors act immediately to protect your policy from excessive costs.
  • We have dedicated intelligence teams who use cutting edge technology to fight fraud.
  • We have a network of solicitors to help you recover uninsured losses where we determine that you are not at fault for the accident.

What you’ll need to make a claim

Have your policy reference to hand
You can find your home insurance policy number on any correspondence you have from us.

Provide as much detail as you can
The more we know, the quicker we can help you. Withholding any information may impact your claim.

Prepare a list of losses, if applicable
We will require details of everything that may be damaged or lost.

Proof of ownership may be required
Please be ready to provide receipts of valuations, if required.

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: 0345 0920700 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: 09:00 — 17:00 / Saturday & Sunday: 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?
It is vital that you report any accident to our claims team within 24 hours so that we can support you as soon as possible and ensure we have all the information we need to attend to your claim. Your policy will have specific reporting requirements and timelines which may include additional excesses for late reporting of claims; please refer to your policy or contact our team who will be happy to assist with any questions you have.
What documents are required to support my claim?
You will need to provide a copy of your driving license 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?

Timelines can vary, but we strive to process claims efficiently. You’ll be kept informed throughout.

Ensure you provide all requested information in a timely fashion to us using to us here.

Do I need a police report to file a claim?
At Acorn Insurance, while not mandatory, a police report can be valuable evidence in the claims process.
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. The limit of coverage is the value declared by you at the start of the policy and is the maximum we'll pay in case of a claim.
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?
We will guide you to a repair workshop approved by Acorn for guaranteed repairs. Additional policy benefits may include a courtesy car. Please check your policy schedule and wording for details.
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 or insured value, whichever is lower, after necessary deductions.
What does Total loss mean?
"Total loss" also known as a “write off” refers to when the cost of repairing a car is more than its market value and it is not economically viable to fix it. An insurance assessor will examine your car if you have comprehensive insurance and determine if it's a total loss.
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?
No, it does not affect your No Claims Discount.
What is Third party liability?
Third Party Liability is the legal responsibility or obligation of the policyholder to persons third parties who are not covered under the insurance policy.
What if the other party is at fault and uninsured?

Your policy may include coverage for uninsured motorists. Contact us on 0345 0920700 and we will guide you through the process. Alternatively, you can text 83118 to request a call back.

What is a Non-Fault Claim?
Non-fault claim: The insurer pays and recovers the cost from a third party. Example: the other driver accepts the blame in a car accident.
What is a Fault Claim?
Fault claim: When your insurer must make a payout, regardless of who is responsible for the accident.
Will my premium increase if its non-fault claim?
Your Premium with us may increase even after a non-fault claim because drivers who have made a claim are more likely to make another claim in the future. This helps insurers charge those who are more likely to cost the insurer further down the line.