Accident Management Solution
Few people have more than one accident every six years which means that most people are unaware of how to manage the post accident process with the least inconvenience. We have set out below the steps you might expect in your journey with us.
We can get you straight back on the road…
1. As soon as possible after your involvement in an accident call us on 0330 124 2711
Please have as much information as you can to hand relating to the accident circumstances and the details of the third party. We need you to let us have details of the third party vehicle registration, the vehicle make and model, the insurance company and the insurance policy number together with your details and the name and address of any witnesses.
2. Talk to our experts
We are usually able to establish who was to blame for the accident in a matter of minutes based on the description you provide. We may occasionally need to make some further enquiries but these are usually handled rapidly. Even though most incidents are relatively straight forward, wherever possible, photographs of the location and damage to your vehicle are very helpful.
3. We organise your repairs or payment if a total loss
We will book your vehicle into your preferred body repair shop so that the damage can be assessed, and the cost to repair can be established. Your chosen repair shop may not match the preferred choice of your insurer or the at fault insurer who might be more focused in arranging a cheaper repair where quality and the future value of your vehicle may be compromised. We will also discuss your options regarding the costs of repair to your own car with you. If your vehicle is beyond economical repair and unroadworthy we will arrange for an independent engineer to agree a valuation with you so we may present the report to the at fault insurer for their consideration. We normally receive a cheque for the amount within a few weeks and you may remain in the hire vehicle for up to 7 days after you receive settlement.
4. We provide you with a replacement vehicle, delivered to you
Where we are satisfied that another identifiable party was at fault for the accident, we will provide you with a replacement vehicle for the period that you are deprived of the use of your vehicle. This cost will be recovered from the insurer of the negligent third party. The vehicle will be delivered at a time and location convenient for you.
5. Insurance Protection
For your added protection and peace of mind, we are able to arrange an insurance policy on your behalf which (subject to the terms and conditions of the policy) protects you from having to pay our charges in the event that they are not recovered from the at fault driver or their insurer. Subject to certain qualifying criteria, we provide this cover free of charge when you hire a vehicle from us - we pay the insurance premium on your behalf. We will provide you with further details of this insurance policy before we deliver a car to you.
6. Establish whether any additional losses are recoverable
If your vehicle is used for commercial purposes, for example a driving instructor, we will be able to help you establish the recoverability of your loss of earnings. We will also advise you in respect of a claim for diminution.
7. We monitor your vehicle repairs
We regularly assess the progress of repairs to your vehicle and update you as required.
8. You collect your repaired vehicle
Once repairs to your vehicle are complete, we will contact you to arrange a convenient time for you to collect your vehicle. Please use our vehicle to get to the repairer to collect yours. You will be asked to sign a repair satisfaction note by the body repair shop upon collecting your vehicle. We will then collect our vehicle from the repairer.
9. Once you have your vehicle back
We will speak to you to confirm that we have details of every loss you have suffered as a result of the accident. We will then send the insurer of the negligent driver a payment pack which will include details and supporting documentation for all of the losses you have sustained.
10. We reach settlement with the Third Party Insurer on the hire of the vehicle and any recoverable losses
At this point you will receive reimbursement of your policy excess if you have had to make such a payment, together with any other losses settled on your behalf.
