Claims process
The claims process, explained in plain English
Behind the scenes of every smooth claim is a rigorous process. Here's what your file handler does at each stage — and why it wins better outcomes.
1. Claim setup & fact-finding
On your first call we record the full circumstances of the accident: time, place, vehicles, injuries, witnesses and the other driver's details. Your file handler opens the claim with the at-fault insurer the same day and notifies them of our involvement — so they deal with us, not you.
2. Evidence gathering
Strong claims are built on evidence. We collect photographs, dashcam footage, witness statements, police reports and engineer assessments. If liability might be disputed, we secure this evidence early — it's much harder to obtain weeks later.
3. Liability negotiation
We present a structured liability argument to the at-fault insurer and push for a prompt admission. If they dispute fault, our specialists negotiate firmly using the evidence file — and the vast majority of disputes are resolved in our clients' favour.
4. Repairs or total loss
If your vehicle is repairable, we authorise manufacturer-standard repairs at an approved bodyshop with a 3-year guarantee. If it's a write-off, our engineers produce an independent valuation and we negotiate the settlement upward — never accepting the first low offer.
5. Settlement & recovery of costs
Finally, we recover every cost from the at-fault insurer: hire charges, recovery, storage, repairs and out-of-pocket losses such as travel or lost earnings. The claim closes with you fully reimbursed — and your own policy untouched.
Every stage handled for you
You never chase insurers, fill in claim packs or argue about valuations. Your file handler does it all and keeps you updated throughout.
Start Your ClaimCommon claims questions
What is accident management?
Accident management is a complete service that takes over your claim after a non-fault accident. We arrange vehicle recovery, provide a like-for-like replacement vehicle, manage repairs at approved bodyshops and recover all costs from the at-fault driver's insurer — so you don't pay an excess or lose your no claims discount.
How much does your service cost?
For non-fault accidents, our service costs you nothing. All charges — including replacement vehicle hire, recovery, storage and repairs — are recovered directly from the at-fault driver's insurance company.
Will my no claims discount be affected?
No. Because your claim is made against the at-fault driver's insurer rather than your own policy, your no claims discount remains fully protected.
Do I have to pay my insurance excess?
No. You only pay an excess when claiming through your own insurer. We claim against the at-fault party's insurer, so there is no excess to pay.
How quickly will I get a replacement vehicle?
We aim to deliver a like-for-like replacement vehicle to any destination in the UK within 4 hours of your claim being set up.
What if I'm a taxi or private hire driver?
We specialise in keeping working drivers on the road. Our fleet includes plated taxis, private hire vehicles and PCO-licensed cars, delivered fast so you don't lose income.
Had an accident that wasn't your fault?
One call and we handle everything — recovery, replacement vehicle, repairs and your entire claim. No excess to pay, no claims discount protected.