How do I report a claim on my car insurance?

The fastest way to report a claim is to speak to one of our claims team directly, by phone. Call 01708 925 057. If you're not able to speak right away, you can log into your insurance account to arrange a call-back. Watch the video above to find out how.

What should I do immediately after an accident?

Stay calm, check for injuries, and gather details from all parties involved. Then contact our claims team by telephone or use your online Insurance Account to make a claim.

Can I make a windscreen claim separately?

Yes. Windscreen claims are processed separately and often don't affect your no-claims bonus. Log into your insurance account to book a repair via our trusted windscreen partner.

DVLA Introduces Simpler Rules for Vehicle Registration

Practical Reforms For Motorists

From August 2025, the DVLA has updated its rules to make registering modified and restored cars simpler and more transparent. These reforms aim to reduce unnecessary administration, preserve vehicle identity, and support the wider motoring industry.

At Performance Direct, we view these changes as a positive step for drivers who value both their cars and their time.

DVLA make it easier to register cars

What’s Changed?

Significant restoration work, such as body repairs, panel replacements, and mechanical overhauls, no longer needs to be reported to the DVLA. These projects are now recognised as a routine part of ownership rather than something exceptional that triggers extra paperwork. This provides reassurance for drivers carrying out essential work to keep their vehicles roadworthy.

Owners who have modified their vehicles will also benefit from the new rules. Whether the changes involve aesthetic upgrades, performance improvements, or a full electric conversion, the car will now retain its existing VIN and registration number. The only adjustment is that the V5C log book will include a “modified” note, acknowledging the changes while preserving the car’s identity.

Perhaps most importantly, Q-plates will no longer be applied as widely as before. These registrations will now only be issued when a car’s original identity cannot be verified. This update removes much of the uncertainty that owners previously faced when modifying their cars and helps protect the long-term value of their vehicles.

Why It’s Important

These changes make life far simpler for drivers. Instead of worrying about additional admin, owners can focus on enjoying their vehicles. The reforms also help preserve a car’s value and heritage by ensuring it keeps the same registration number throughout its life. Finally, they are good news for the motoring sector as a whole, reducing complications for workshops, restoration experts, and modification specialists who support thousands of UK motorists.

What Drivers Should Do

Even though the DVLA has made the process easier, we still recommend keeping a clear record of all modifications or repairs. Receipts, photographs, and detailed notes will make things straightforward if questions arise in the future. It’s also wise to check the official GOV.UK website for the latest DVLA guidance, as updates may be issued over time.

Our Take

We believe these reforms strike the right balance between practicality and heritage. By clarifying the process, the DVLA has made ownership, restoration, and modification more straightforward for motorists across the UK. At Performance Direct, we’ll continue to support drivers with insurance and advice that gives them confidence in every stage of their motoring journey.

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Why choose Performance Direct?

The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine and automated customer services allowing hassle-free access to documents and information.
The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

We’re independent. Because we’re not tied to any brand or product, we can search the car insurance market to get you the best policies—from third party policies to fully comprehensive cover. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.
We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year.
Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.