Moja Car Insurance Contact UK 2026: Phone, Claims & Complaints

To contact Moja car insurance, visit www.moja.co.uk and navigate to the Contact section for current customer service phone numbers, claims lines and online account access. Moja sells car insurance directly and through price comparison websites. All contact for policy queries, claims and complaints is handled through Moja's own channels - the official website is always the most reliable source of current contact details and is updated when phone numbers or contact routes change.

Moja is a UK-based digital motor insurance brand. All Moja car insurance products are subject to FCA regulation. FCA authorisation can be verified at register.fca.org.uk by searching for Moja or the relevant underwriting entity by name. For a full independent product assessment see the Moja car insurance review, and for broader market context visit the UK car insurance hub.

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How to contact Moja customer service

Moja operates a direct customer service model. To find the correct current phone number or contact route for your enquiry type - a general policy question, a mid-term adjustment, a billing query or a renewal discussion - navigate to the Contact section of www.moja.co.uk. Contact details are updated on the official site when they change and are the only reliable source for current Moja contact information.

Before contacting Moja, have your policy number, vehicle registration, full name and date of birth as they appear on the policy, and a clear description of your enquiry ready. Under the FCA's Consumer Duty rules, Moja is required to make its contact channels genuinely accessible and deliver fair outcomes for all customers. Industry norms for UK direct motor insurers are broadly 8am to 8pm Monday to Friday and 9am to 5pm Saturday for general queries, with 24-hour emergency claims lines. Moja's precise operating hours are published on the Contact section of their website. For broader market context, see the UK car insurance hub.

Making a claim with Moja

Moja motor claims follow the FCA ICOBS framework and ABI Motor Claims Code that apply to all UK-authorised motor insurers. The process is consistent with standard UK practice regardless of the digital nature of the product.

Step 1 - Document the incident. If safe to do so, photograph all vehicles, visible damage, road layout, weather conditions and relevant signage. Record the exact date, time and location. Collect names, contact numbers, vehicle registrations and insurance details from all other parties. Obtain witness contact details if available.

Step 2 - Notify Moja promptly. Access the 24-hour emergency claims line via the Contact section of www.moja.co.uk or the number on your policy schedule document. Prompt notification is a standard policy condition; delays can affect assessment and settlement.

Step 3 - Provide complete incident details. Your policy number, vehicle registration, date and location of the incident, a description of what occurred, and all third-party information gathered at the scene. Accurate first reporting reduces back-and-forth and accelerates the assessment process.

Step 4 - Await acknowledgement under ICOBS. The insurer must acknowledge the claim promptly and provide updates at reasonable intervals throughout the assessment process as required by FCA rules.

Step 5 - Loss adjuster or approved repairer. A loss adjuster may be appointed for complex or high-value claims. For vehicle damage, the insurer will refer to an approved repairer or commission an independent engineer's inspection for total loss assessment.

Step 6 - Settlement or repair. The claim proceeds to repair through the approved repairer network or to a cash settlement for total loss. For comprehensive guidance on the full UK motor claims process, see how to claim car insurance after an accident in the UK.

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Complaints process and escalation

If any aspect of Moja's service falls below reasonable expectations, policyholders have a statutory right to complain under the FCA's DISP framework. Submit the complaint formally through the complaints channel listed on the Moja website. Moja must acknowledge the complaint promptly and issue a final written response within 8 weeks. Where the complaint is resolved within 3 business days to the customer's satisfaction, a summary resolution communication may be issued rather than a full written final response.

If Moja does not resolve the complaint within 8 weeks, or if the final response is unsatisfactory, the complaint can be referred free of charge to the Financial Ombudsman Service at financial-ombudsman.org.uk. Referrals must be made within 6 months of the date on Moja's final response letter. For complaints referred on or after 1 April 2024, the FOS maximum award limit is £430,000 per the FOS 2025-26 published schedule. The FOS is entirely free to consumers.

When to contact the FCA or FOS instead

Contact Moja directly via the channels on their official website for all policy queries, claims initiation, mid-term amendments, billing matters and renewals. Contact the Financial Ombudsman Service at financial-ombudsman.org.uk when a formal complaint has remained unresolved after 8 weeks or when Moja's final response is unsatisfactory. Contact the FCA at fca.org.uk if you suspect mis-selling, fraud or unauthorised insurance activity. Verify Moja's FCA authorisation at register.fca.org.uk. For context on driving without valid cover, see uninsured driver UK penalties 2026.

Moja app availability

Moja may offer a mobile app for iOS and Android devices allowing policyholders to manage their policy and access documents digitally. To find the official Moja app, search for "Moja" in the Apple App Store or Google Play Store and verify the publisher matches the official Moja brand before downloading. App features and availability are described on the Moja website and are subject to change. The online account portal provides document access and some policy management functions as an alternative to telephone contact for routine queries.

Frequently asked questions

What is Moja's customer service phone number?

Current Moja car insurance customer service phone numbers are listed on the Contact section of www.moja.co.uk. Phone numbers are organised by query type and updated when they change. Your policy schedule document also lists the 24-hour emergency claims line. Always use the official Moja website for current contact details rather than third-party sources.

How do I make a claim with Moja?

Access the 24-hour emergency claims line via the Contact section of www.moja.co.uk or the number on your policy schedule. Document the incident before calling - photographs, third-party details, location, date and time. Have your policy number and vehicle registration ready. For full guidance see how to claim car insurance after an accident.

How do I file a complaint about Moja?

Submit the complaint through the complaints channel on the Moja website. Moja must issue a final written response within 8 weeks under FCA DISP rules. If unresolved or unsatisfactory, refer free of charge to the Financial Ombudsman Service at financial-ombudsman.org.uk within 6 months of the final response date. The FOS can award up to £430,000 per complaint under the 2025-26 published limits.

What are Moja's opening hours?

Moja's current department-specific opening hours are published on the Contact section of www.moja.co.uk. Industry norms for UK direct motor insurers are broadly 8am to 8pm Monday to Friday and 9am to 5pm Saturday for general queries, with 24-hour emergency claims access. Always check the official site before calling as hours vary by department.

How do I cancel my Moja policy?

Within the 14-day FCA cooling-off period from inception or renewal, cancellation entitles you to a full premium refund minus any days of cover used and a reasonable administration charge. After this period, cancellation terms are set out in the Moja policy wording. Contact Moja via the official website to initiate. See how to cancel car insurance mid-policy in the UK for full guidance.

What if I cannot reach Moja?

Document all contact attempts with dates and times. Try alternative channels listed on the Moja website. If the matter relates to an unresolved formal complaint where 8 weeks have elapsed, refer directly to the Financial Ombudsman Service at financial-ombudsman.org.uk. The FOS is free and can be contacted once the 8-week window has passed without resolution.

Is Moja FCA-authorised?

Moja car insurance products are subject to FCA regulation. Verify current FCA authorisation for Moja and the relevant underwriting entity by searching at register.fca.org.uk by firm name. For broader market comparison, see cheap car insurance UK 2026.

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Sources

• FCA Register: register.fca.org.uk
• FCA Handbook (ICOBS, DISP): handbook.fca.org.uk
• Financial Ombudsman Service: financial-ombudsman.org.uk
• ABI Motor Insurance Code: abi.org.uk
• FCA Consumer Duty: fca.org.uk/firms/consumer-duty
• Moja official website: www.moja.co.uk