How our service works

Our service is designed to take the stress out of a non-fault accident.

We manage the entire process for you, providing a dedicated claims handler so you always have one person who knows your case inside out.

You won’t be stuck in a queue or passed between departments; we aim to answer all calls in less than two minutes.

Here’s how it works:

The process starts with a conversation with our UK-based team to explain what happened.

Since we only take on non-fault claims, we will talk through the details of the accident and take down any witness details or evidence you may have. It is best to gather this information while it is still fresh in your mind.

Once we have confirmed we can help, your claim is accepted, and your dedicated claims handler is assigned.

With a large fleet of our own and access to hundreds of vehicles across the UK, we provide a like-for-like replacement regardless of what you drive.

Once we’ve established if your vehicle is roadworthy or unroadworthy, we’ll guide you through the next steps based on its condition:

We arrange recovery for you and your vehicle. Our recovery partners can take you to the nearest station or services so you can continue your journey.

We then arrange a like-for-like replacement vehicle for you to use while yours is off the road. We aim to get this to you within 24 hours.

You can continue driving your own vehicle until your repair date.

We arrange to have your replacement vehicle delivered the day before or the morning of your repairs.

We instruct an independent, qualified motor engineer to assess your vehicle to determine if it is repairable or a total loss.

Generally, if repair costs exceed 66% of the car’s market value, for example, repairs over £6,600 on a £10,000 car would be deemed a total loss.

We manage the process through our nationwide network of over 500 BSI Kitemark-approved body shops.

Unlike many insurers who use “green” or second-hand parts, we only use brand-new, manufacturer-approved parts and methods. All our repairs come with a lifetime guarantee for as long as you own the vehicle.

If your vehicle is declared a write-off, the engineer will provide an independent valuation, and your dedicated claims handler will discuss this with you.

Once agreed, we submit the report to the at-fault insurer for payment. If they dispute the figure, we negotiate on your behalf using our evidence to support the original valuation.