Everything you want to know before you call

If the accident was not your fault and we recover all costs from the at-fault insurer, you keep your no-claims discount and there is no excess to pay. That is the core advantage of claiming through a specialist rather than your own policy.

Nothing upfront and nothing from your settlement in a standard non-fault claim. Our costs, the repair, the replacement vehicle and legal fees are recovered from the at-fault party's insurer. Any injury compensation is paid to you in full under our no win, no fee agreement.

In most cases within 24 hours of instructing us, and often the same day if you contact us before mid-afternoon. We match the class of your own vehicle, including prestige, 7-seat and commercial vehicles.

This is routine and it does not stop your claim. Our specialist solicitors gather dashcam footage, witness statements, scene evidence and engineer reports, and will litigate where an insurer refuses to accept clear liability.

Yes. We instruct an independent engineer and evidence the true market value with comparable listings and valuation guides. Challenged offers we handle are increased by an average of 21%.

Vehicle repairs typically complete in 2 to 4 weeks. A straightforward injury claim usually settles in 4 to 8 months; disputed liability or serious injury takes longer because we will not settle short of the right figure.

Yes — your policy requires you to notify them of any incident. You should tell them you are claiming through a third-party specialist and not making a claim on your own policy. We can guide you through that call.

Any accident where someone else is legally responsible for your losses — you were hit from behind, side-swiped, hit while parked, or another driver pulled out of a junction, changed lanes or reversed into you. You do not need the other driver to admit it; liability is decided on the evidence, and clear-cut cases like these are accepted by insurers every day.

You can still claim. Where responsibility is shared, liability is split (for example 70/30) and you recover that proportion of your losses. Tell us honestly what happened — split-liability claims are common, and being upfront lets us protect the best possible share for you rather than losing the claim later.

No. You have a free choice of solicitor and of repairer by law, and we will never pressure you. Most clients use our SRA-regulated panel firms and manufacturer-approved bodyshops because it is faster and fully managed, but if you prefer your own, we will work alongside them.

Your claim is not over. If the driver is untraced or uninsured we pursue it through the Motor Insurers' Bureau, which exists for exactly this situation. Report it to the police and get a crime reference number, then send it to us — injury, vehicle damage and out-of-pocket costs can all still be recovered.

Yes. We are authorised and regulated by the Authority for regulated claims management activity, and we work only with SRA-regulated solicitor firms.