Making a non-fault claim after an accident
A non-fault claim is the process of recovering all costs from the at-fault driver's insurer.
When handled correctly, you can avoid paying an excess and protect your No-Claims Bonus. Our specialists provide the expert management you need for a simple, stress-free outcome.
Speak to a specialist claims advisor:
The two paths for your non-fault claim
When you're not at fault, you have two main choices: go through your own insurer, or use a specialist independent service like ours.
The path you choose has a big impact on your time, money, and stress.
1. Claiming through your own insurer
This path can lead to:
- Paying your policy excess upfront, leaving you out of pocket while your insurer attempts to recover the cost.
- Having an 'open claim' on your record, which can increase your renewal premium if the claim is still active.
- Risking your No-Claims Bonus, which is often reduced or removed during the claim and requires you to chase for it to be reinstated.
- The potential use of non-original or second-hand parts for repairs, which can affect your vehicle's warranty and resale value.
- Receiving a small, basic courtesy car that may not be suitable for your needs, if a vehicle is provided at all.
2. Using our specialist service
This path ensures:
- Paying no policy excess, keeping your money in your pocket from day one.
- All costs being covered by their insurer, meaning there is no cost to you for your replacement car, repairs, or our management service.
- Avoiding an 'open claim' on your policy, which keeps your record clean and protects you from a premium increase as a result of claiming with us.
- Keeping your No-Claims Bonus safe, as it's 100% protected from the start with nothing to chase up.
- Guaranteed manufacturer-approved repairs, using brand new, manufacturer-approved parts and backed by our own lifetime repair guarantee for as long as you own the vehicle.
- Receiving a comparable replacement vehicle, similar in size and spec to your own and delivered quickly to ensure minimal disruption.
Dedicated claims management that puts you first
After a non-fault accident, the path you choose to make your claim is an important decision.
To make the choice clear, the table below provides a detailed comparison of the options available.
| 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
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.
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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.
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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.
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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.
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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.
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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.
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