Car claims

> Make a car claim

> Make an optional cover claim

> Manage an existing claim

> Guides to making a car claim

> Car claims FAQs

Make a car claim

Rias claims service is provided by Ageas which is part of the Ageas UK family.

  • Award-winning UK-based claims service

  • 99.6% of car claims paid out (July 2024-June 2025)

  • Make your claim 24/7

Make a car claim

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When you select 'Make a car claim', you will be sent through to the Ageas claims service.

 

Make an optional extra claim

For support with making a claim for:

  • Breakdown cover
  • Legal expenses
  • Replacement car
  • Windscreens

Make an optional extra claim

Need to speak to someone?

If you need us in an emergency, our claims experts are available 24/7.

For car insurance claims in the UK call
0345 125 6850

For car insurance claims in the EU call
+44124 271 5924

Manage an existing claim

Car insurance claims

Please call your dedicated claims handler or email us on motorclaims@ageas.co.uk. Remember to include your claim reference number in the subject line. You will have receieved a letter with these details.

Optional cover claims

For support with an existing claim for Breakdown cover, Legal Expenses or Replacement Vehicle - please contact your provider.

Guides to making a car claim

I've had an accident, what should I do?

Don't worry, we are here to help. Here's what you should do next:

  • Make sure you and your passengers are safe
  • Don't accept liability until you have spoken to Rias
  • Try to swap details with the other people involved in the incident for example names, contact details and vehicle/insurer details
  • Take pictures if you can and it is safe to do so, particularly of the vehicle damage and the position of vehicles in the road
  • Your can report some claims online using our online claims hub.

    • Damage caused by a pothole
    • Damage caused by hitting an animal
    • Damage caused by hitting a building or structure
    • Loss of control due to road surface
    • Damage caused by flood

  • Alternatively, you can reach us by using one of the following numbers based on how you purchased your policy:

Before you make a claim

What you need to know

  • It's better to make a claim before you get any repairs carried out
  • Tell us about an incident even if you are not claiming for your damage
  • The sooner you report your claim it could reduce the overall cost of the claim.

What you need when you make a claim

  • Your policy number. You can find this on your confirmation email or documents in your online account
  • Details of what happened, where and when
  • Photos of the damage to the cars or dashcam footage 
  • Any witness contact details 
  • Third party details including their vehicle registration and details. 

The more details you can give us, the quicker we can progress your claim. 

What happens next

We’ll usually:

  • Check that you’re covered by your insurance
  • Confirm how much excess you’ll need to pay
  • Send a link so you can upload photos or documents
  • Review your claim and keep you updated
  • Help organise repairs – we have a huge network of approved repairers. We can help pick the best one for you and take care of everything.
  • Tell you if your car is repairable straight away
  • Tell you what will happen next.

View car claims FAQs

Browse our car insurance claims FAQs - for answers to questions on accidents, policy details, claims, complaints, fraud and troubleshooting.