You have a choice in how to manage a non-fault accident claim. That choice could affect whether you pay an excess.
Your insurer will charge you an excess
Some people think they need to call their own insurance company after a non-fault accident. This isn’t the case.
If you claim with your own insurer, you’ll be required to pay your insurance policy excess to start your claim.
Why insurers charge an excess >
We do not charge you an excess
When claiming with an accident management company, you don’t pay an excess.
Why we don’t charge an excess >
This is one of the many reasons why thousands of drivers every year choose Auto Claims Assist.
By Stuart Penwarden, Senior Technical Recoveries Negotiator
Call us on 0330 128 1407 | Start your non-fault claim now >
At the start of your claim, it hasn’t officially been established who was at fault. As far as your insurer is concerned, you could still be at fault for the accident. So, they require you to pay your policy excess as a precaution. However, as you weren’t at fault, this is an unfair and avoidable expense.
As liability hasn’t yet been determined, the precaution that your insurer takes is to initiate the claim against your own policy. This creates a ‘pending claim’ on your policy and is why you pay your excess. This can affect your upcoming insurance renewal.
Excess fees are in place to deter claims that are:
How much will my excess be?
Understand how the excess is calculated after a non-fault accident
Read more +Instead of claiming on your own insurance policy, we claim directly against the other driver’s insurance. This avoids having to pay your excess and claiming against your own policy.
Before we move forward with your claim, we analyse the accident circumstances and evidence. By handling only non-fault claims, the other driver’s insurance is liable to cover all costs. This means you avoid the financial burden of paying your own policy excess.
In the UK, you have a legal right to compensation if another party is found to be negligent, resulting in damage or injury. In the case of road traffic accidents, this means breaching the Highway Code or committing specific offences under the Road Traffic Act.
The Credit Hire Organisation (CHO) and the Association of British Insurers (ABI) have guidelines and agreements. These agreements are in place to to minimise the impact on your day-to-day life, after being inconvenienced by a non-fault accident.
Auto Claims Assist are committed to providing you with everything that you’re entitled to.
An excess-free claim solution.
With Auto Claims Assist, there is no excess to pay when making a non-fault claim.
Read more +Protected no claims bonus.
Your No Claims Bonus (NCB) is left unaffected when you make a claim.
Read more +Manufacturer approved parts and paint.
Our BSI Kitemark Accredited repair network use only manufacturer-approved parts and paint.
Read more +Comparable Vehicle Replacement.
You’ll have a vehicle comparable in size & specification to yours while it’s off the road.
Read more +Our purpose is to take away the inconvenience, stress and disruption caused by a non-fault accident.
As a leading accident management company, we provide a start-to-finish service covering every aspect of claims management.
Comparable vehicle
Providing a vehicle that matches your own in size and specification.
Dedicated handler
Offering a personal claims handling service.
FCA regulated
Operating under strict standards, regulated by the FCA.
Rated Excellent on Trustpilot
Trusted by thousands of customers throughout the UK.
24/7 Recovery and storage
Offering round-the-clock recovery and secure storage nationwide.
Manufacturer approved
Quality repairs with manufacturer approved parts and paint.
No excess fee
Avoid paying your insurance excess for a non-fault claim.
Protected no claims bonus
Your no claims bonus remains unaffected in a non-fault accident.
If you’d like to speak to someone about a non-fault accident, call us on 0330 128 1407.
Or start your non-fault claim online with us here >
Accident management services streamline the claims process after an accident. Our experts are here to manage your claim from start-to-finish.
Explore how we can help you >A comparable replacement vehicle provides you with the necessities and comfort that you’re used to. We provide you with a comparable replacement from within 4 hours of contacting us.
Learn about comparable replacement >Begin the hassle-free claim process with
Auto Claims Assist now.