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Call us first after an accident
Call us first after an accident - 6 reasons why you're much better off
Calling us first and informing your insurer: the legal position and how it works
If you’re involved in a road accident that's not your fault
you don't have to claim on your insurance
and you can take advantage of all your member benefits with us just by calling us first.
After you've called us, you should inform your insurer you've been in an accident - but make it very clear to them that this is for 'information only' and that you don’t wish to make an insurance claim.
This should ensure your insurer doesn’t settle with the other party's insurer without your knowledge or start the ball rolling with a claim on your insurance.
You are not required to inform your insurer about the accident immediately, but within a 'reasonable time'. So you can call us immediately and we can start helping you right away - e.g. recovering your vehicle for free.
You won't pay your insurance
excess after a non-fault accident
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You won't have to pay your insurance excess after a non-fault accident
Why should you have to pay your insurance excess when an accident is someone else's fault?!
Costs can be recovered from the third party insurer, so there's no need for you to claim on your insurance.
So your insurance excess payment is no longer required, saving you potentially hundreds of pounds.
It's unlikely that your insurer will
provide accident recovery
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It's unlikely that your insurer will provide accident recovery
Roadside recovery after an accident is not part of a standard motor insurance policy and is generally not included in breakdown cover either.
Our recovery service can save you hundreds of pounds and gives you peace of mind in knowing you'll never be stranded.
We can also save you a lot of money that you might otherwise incur in vehicle storage charges following recovery.
Your No Claims Discount won't
be adversely affected with us
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Your No Claims Discount won't be adversely affected with us
Where the accident isn't your fault and there's an identified insured third party, the third party insurer pays the bill.
Because there's no claim on your own insurance, your no claims discount shouldn't be adversely affected.
This can save you a lot of money when your insurance comes up for renewal.
We'll deliver you a like-for-like
replacement car, not a courtesy car
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We'll deliver you a like-for-like replacement vehicle, not just a courtesy car
Instead of a humble courtesy car from your insurer, we'll provide you with an as-new like-for-like replacement commercial vehicle.
And we'll deliver it to your home or work address - you don't even have to go and collect it yourself.
Private treatment for injury,
bypassing NHS waiting lists
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We can arrange local private medical treatment for injury, bypassing waiting lists
Motor insurance is primarily focused on your vehicle, whereas we care just as much about your personal wellbeing.
So if you're injured as a result of a non-fault accident, we can arrange local private medical treatment.
This commences far quicker than the NHS because it bypasses normal NHS waiting lists. So you get better quicker.
We take away the cost and hassle
of claiming on your own insurance
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We take away the cost and hassle of claiming on your own insurance
If you've ever claimed on your insurance you'll know how stressful it can be. So why burden yourself?
Our concierge service from highly trained professionals keeps you mobile and regularly informed and makes things really easy. One helpline call does it all.
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