Does car insurance cover repairs?

Car insurance can cover repairs after an accident, but what’s covered - and how the claim is handled - depends on who was at fault and the level of cover you have.

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You have two options to choose from when making a claim.

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If you were at fault, you must claim through your own insurer.

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If the accident wasn’t your fault, you have a better alternative option.

If you're at fault:

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You must claim through your own insurance policy.

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You will have to pay your policy excess to start the repairs.

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Your insurer will typically manage the repair process and may direct you to an approved repairer.

Your non-fault claim options

Option 1: Claim with your insurer

This option is more likely to increase your insurance

You have to pay your policy excess.
Your No Claims Bonus may be reduced or removed.
Your insurer may use green parts to save money on the repairs.
If you do not have comprehensive cover, repairs to your own vehicle won’t be covered.
Your insurance premium will rise at renewal.

Option 2: Claim with Auto Claims Assist

This option avoids an increase to your insurance

There is no excess to pay.
Your No Claims Bonus is protected.
We only use manufacturer-approved parts and paint to repair your car.
All repairs come with a lifetime guarantee for as long as you own the vehicle.
There is no cost to you for our services.

Speak to our accident experts.

Find out how we can help
Start your claim

Call us now on 0330 128 1407

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Full-service claims management that puts you first

We don’t just claim for your vehicle repairs - we help you through the entire process with better care, better outcomes, and less stress.

Benefits	Your insurer	Auto Claims Assist	Third Party Insurer
Fight for your liability
Dedicated claims handler
Comparable replacement vehicle
Manufacturer approved parts
Fair write-off valuation
No excess to pay
Unaffected no claims bonus

Talk to one of our Specialist Advisors

Call us on 0330 128 1407

Call me back Start my claim

Our end-to-end service

We handle every detail of your non-fault claim from the scene of the accident to getting you back on the road. Here is how our comprehensive service works for you:

Roadside recovery if needed

If your vehicle isn't drivable, our first priority is your safety. We’ll recover you and your vehicle from the roadside. We will also arrange for the secure storage of your vehicle while the claim is processed.

Complete claims management

From your first call, we assign you a dedicated claims handler. Our team of non-fault specialists then manages your claim from start-to-finish, handling all communications and negotiations.

Comparable replacement vehicle

You will not be left without suitable transport. We provide you with a comparable replacement vehicle—similar in size and spec to your own—and you can use it for the full duration your car is off the road.

BSI accredited repair / total loss settlement

Our trusted, BSI accredited repair network will repair your vehicle to the highest standards, using manufacturer-approved parts and paints. If your vehicle is written off, we will work to ensure you receive a fair settlement figure.

Personal injury support

If you or your passengers have been injured in the accident, our partnered personal injury solicitors can provide expert assistance to help you claim the compensation you are entitled to.

All costs are covered by the at-fault driver's insurer

There is no cost to you for any part of our service. We claim all costs for the recovery, storage, replacement vehicle, and repairs directly from the third-party insurer.