Stage 1 · The call
What happened, in your words.
What we do, in detail
Four services for non-fault drivers, with the risks explained before any paperwork.
Program 01 · One point of contact
Claim notification & handling
We take the details once, collect the evidence that matters — photographs, witnesses, dashcam, the other driver's details — and deal with the correspondence. You get one number to call and an honest answer about where the claim actually stands, including when it is going badly.
Stage 2 · Evidence
Gathered while it still exists.
Stage 3 · Notification
Insurers informed properly.
Stage 4 · Updates
Including bad news, promptly.
Stage 1 · Recovery
From the roadside or your address.
Stage 2 · Inspection
Damage assessed and documented.
Stage 3 · Your choice
Approved repairer, or your own.
Stage 4 · Repair
Guaranteed, and checked on return.
Program 02 · Your choice of repairer
Recovery, storage & repairs
We can recover and store the vehicle and manage the repair through an approved repairer who guarantees the work. You are entitled to use any repairer you like, including your manufacturer's dealer to protect a warranty, and we will say so rather than steering you.
Program 03 · A credit agreement, explained
Replacement vehicle
This is the part the industry is criticised for, so we are blunt about it. Credit hire is a contract between you and us. If the claim fails, or you are found partly at fault, or the charges are not recovered in full, you are personally liable for the hire. We show you the daily rate and that liability in writing, and we will tell you when going through your own insurer would cost you less.
Stage 1 · Entitlement
Whether you are actually entitled.
Stage 2 · The risk
Your liability, in writing, first.
Stage 3 · Alternatives
Including using your own insurer.
Stage 4 · Only then
Vehicle supplied, if you still want it.
Stage 1 · List the losses
Excess, earnings, expenses, travel.
Stage 2 · Evidence
Receipts and payslips gathered.
Stage 3 · Recovery
Claimed from the party at fault.
Stage 4 · Injury
Referred to an independent solicitor.
Program 04 · Independent solicitors
Uninsured losses & injury referral
Policy excess, lost earnings and expenses are recoverable from the party at fault and are routinely forgotten. If you have been injured, that is legal work: we refer you to an independent SRA-regulated firm, we receive no referral fee for it, and you can also claim low-value injury yourself for free through the Official Injury Claim service.
Had a non-fault accident?
A free first call on your real options, including the ones that do not involve us.