Claim through your own policy
Your insurer handles the claim. A policy excess may apply until it’s recovered, and the claim can affect your no claims discount.
Non-fault accident? Know your options before you claim.
We’re an independent accident management company, not your insurer.
- Help protect your no claims discount
- No policy excess to pay
- Like-for-like replacement vehicle*
Three ways to claim after a non-fault accident
Tell your insurer about the accident, as your policy requires. You don’t have to make the claim through them.
Claim directly from the at-fault insurer
You deal with the other driver’s insurer yourself. It can take longer and be more involved.
Use Motor Claims Department
The smarter way to claim for eligible non-fault drivers. We arrange recovery, a replacement vehicle and repairs outside your policy, and pursue the at-fault insurer for the costs.
Start your claimClaiming through your own policy isn’t your only option
Motor Claims Department is an independent accident management company. We’re not an insurer and we’re not part of your insurer’s claims department. See our service standards and complaints process.
Why claim through Motor Claims Department
For eligible non-fault drivers who’d rather not make the claim through their own motor policy.
No policy excess to pay
When your claim is managed outside your motor policy. Claim through your insurer and an excess may apply.
Help protect your no claims discount
Your insurer still needs to know about the accident, and decides how it is recorded.
Like-for-like replacement vehicle*
A comparable vehicle where you need one and it is available.
A dedicated UK claims handler
A main point of contact who knows your claim, supported by our UK claims team.
We claim from the at-fault insurer
On eligible non-fault claims we pursue the costs from the other driver’s insurer, not your policy.
Why claim through Motor Claims Department
No policy excess to payWhen the claim is managed outside your policy.Help protect your no claims discountYour insurer still needs to know.A dedicated UK claims handlerOne main point of contact.We explain every optionso you can claim with confidence.
Questions worth asking
Before you choose how your claim is handled.
Do I have to claim through my own policy?
No. You need to tell your insurer about the accident, as your policy requires, but you can choose how the claim is handled: through your policy, directly with the at-fault insurer, or through an accident management company like us.
Are you my insurer?
No. We’re an independent accident management company, not connected to your insurer. We’ll say so on the first call and in everything you sign.
How is it paid for?
We recover our costs from the at-fault driver’s insurer. Your replacement vehicle and repairs are provided under a credit hire or credit repair agreement, which we explain before you agree to anything.
If fault can’t be established, you could be asked to cover the hire charges, so we tell you on the first call whether your claim is one we’d take on.
What if the other driver disputes fault?
We look at liability before anything is agreed. If fault isn’t clear, we tell you what that means for your claim and what we’d need to take it forward.
Will I have to pay an excess?
Not when your claim is managed outside your own policy. If you claim through your insurer, an excess may apply, and you can often recover it once the claim succeeds.
Could this affect my premium?
Your insurer decides that, and you still declare the accident at renewal. Keeping the claim off your own policy can help protect your no claims discount.
Will I get a like-for-like vehicle?
Where you need one and it’s available, we aim to provide a comparable vehicle. We check what your own policy already gives you first.
For insurers and brokers
Give your customers a trusted non-fault option alongside their policy, with clear disclosure and suitability checks.
Insurers and MGAs
A documented referral route, with the evidence you need to refer with confidence.
For insurersBrokers
Stay part of your client’s claim, with visibility on every referral.
For brokers