How long after an accident can you claim?

You should start your claim as soon as possible after a road traffic accident.

Your options and time limits will depend on the type of claim you’re making.

Fault Claim

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You must claim directly with your own insurer

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Most insurers require you to report an accident within 24–48 hours, but requirements vary, so check your policy documents.

Non-fault Claim & Personal Injury

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

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Delaying your claim can limit your options and risk your eligibility for a like-for-like replacement vehicle.

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You generally have three years to start a personal injury claim, some exceptions may apply.

Not sure if your claim is fault or non-fault?

Speak to our accident experts

Call us on 0330 128 1407

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Comparing your options after a non-fault accident

Option 1: Claim with your insurer

A claim is opened against your own policy.
You have to pay your policy excess.
Your No Claims Bonus can be reduced or removed
Your premium increases at renewal.

Option 2: Claim with Auto Claims Assist

We claim against the at-fault driver’s policy.
There is no excess to pay.
Your No Claims Bonus is protected.
There’s 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

No caller wait time

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Full-service claims management that puts you first

We manage every detail of your non-fault claim so you don’t have to, ensuring you stay mobile in a car like your own without paying a policy excess or losing your no-claims bonus.

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.