Third party insurance claim?
Claim from their insurer, not yours.
Involved in a road traffic accident? We manage your claim directly with the at-fault insurer.
- No excess
to payWe pursue the at-fault insurer, not your policy - Like-for-like car,
van or motorbikeSuited to your everyday needs - We deal with the
at-fault insurerYou don’t have to chase them - Recovery, replacement
and repairs sortedWe coordinate the moving parts
- No excess to pay
- Like-for-like car, van or motorbike
- We deal with the at-fault insurer
- Recovery, replacement and repairs sorted
- Onward travel for you and your passengers
- Updates your way: WhatsApp, email or phone
- Nothing to pay upfront
Your questions, answered
What is a third party claim?
A claim made against the other driver’s insurer, not your own. If the accident was their fault, their insurer pays for your recovery, your replacement vehicle and your repairs. We manage all three for you.
Claim on your own policy instead and you pay your policy excess, your no-claims takes the hit, and you get whatever courtesy car your cover allows. Claim against theirs and none of that happens. Nothing to pay upfront on an eligible non-fault claim.
When can I make a third party claim?
Two things need to be true.
It was not your fault. Fault comes down to who was careless: who ran the light, pulled out, or went into the back of someone. Insurers look at what the road rules say, what witnesses saw, what the police recorded, what the damage shows, and what any dashcam caught.
The other driver is insured. Their policy is what pays. If they were not insured, or drove off, the Motor Insurers’ Bureau steps in instead. Ring us and we will tell you which route your claim takes.
How do I prove it was not my fault?
The evidence you gather in the first ten minutes does most of the work. Get:
- Photos of both cars, the road and the damage, before anything moves
- The other driver’s name, registration and insurer
- Names and numbers of anyone who saw it
- Dashcam footage, saved before it overwrites
- The police reference, if they attended
Do not apologise at the scene, even to be polite. Insurers treat sorry as an admission.
Do I have to tell my own insurer?
What if they say it was my fault?
What if the other driver is not insured?
What is the catch?
How it works
- 1Tell us what happened. One call, or your reg. That is your bit done. On average we answer the phone within 1 minute.
- 2Your dedicated UK claims handler. A main point of contact who knows your claim, supported by our UK claims team.
- 3Recovery and onward travel. We aim to have recovery with you within 90 minutes, nationwide, and help arrange onward travel for you and your passengers.
- 4A like-for-like car, van or motorbike. Subject to eligibility and availability, for as long as yours is off the road.
- 5Repaired, or fairly valued. If your vehicle can be repaired, we arrange everything with an approved repairer. If it is written off, we do not take a percentage of your settlement. Repairs use new parts, through repairers working to BS 10125. The repair work comes with a lifetime guarantee, with the cover and conditions explained before work begins.
- 6The at-fault insurer pays. Not you. If they challenge your claim, we gather the evidence and fight your corner.