• Pay Excess: First of all they will ask you to pay for Excess that is of an average of £500.
• Lose NCB: They will put a claim on your insurance policy so you lose your No Claims Bonus.
• Longer wait times: The claiming process takes much longer due to insurance workloads and customer service delays.
• Claiming through us is generally faster, more efficient, and avoids these drawbacks.

A courtesy car is a temporary replacement vehicle provided by your insurer while your vehicle is being repaired or if it's been written off. The availability, type, and duration of the courtesy car depend on your insurance policy. Some include it as standard, others offer it as an optional extra. Always check your policy to confirm eligibility and coverage.

Credit Hire: A temporary replacement vehicle provided by a Credit Hire Organisation (CHO) after a non-fault accident. Costs are recovered from the at-fault insurer.

Credit Repair: Your car is repaired without any upfront cost. The CHO recovers the repair charges from the at-fault party’s insurer.

We act as an intermediary, managing your claim—from vehicle recovery and repair to providing a temporary replacement and communicating with all parties involved—until your vehicle is returned or valued if written off.

• No Upfront Cost: Get a like-for-like replacement vehicle immediately without paying out of pocket.
• Preserve NCB: Avoid losing your No Claims Bonus and increasing your premium.
• Stress-Free Process: We handle everything from repairs to communication with the at-fault insurer.
• High-Quality Repairs: Work is carried out by trusted garages using OEM parts and skilled technicians.
• No Excess to Pay: We recover all costs directly from the at-fault party’s insurer.
• Tailored Support: We accommodate your needs with specific car types, medical support, and more.
• Faster Resolution: We aim for quicker settlements and better service than traditional insurers.
• Legal Assistance: In-house legal teams help resolve disputes and support complex cases with no cost to you.

Your insurer may minimize repair quality, limit courtesy vehicle options, and still affect your premium even if the accident wasn't your fault. Credit hire companies prioritize your needs and ensure better service and compensation without impacting your insurance history.

An authorised garage is a repair facility approved by either the insurance company or the credit hire organisation to perform vehicle repairs to a high standard using proper procedures and quality parts.

Yes, your vehicle may lose market value even after quality repairs—this is called Diminished Value. In a non-fault accident, you may be eligible to claim compensation for this loss from the at-fault party's insurer.

A write-off occurs when the insurer decides a vehicle is beyond economical repair after an accident. The car is classified into specific categories based on damage level and repair potential.

• Category A (Cat A): Vehicle is completely destroyed; must be scrapped and crushed.
• Category B (Cat B): Vehicle body is not roadworthy; parts may be salvaged but chassis must be destroyed.
• Category S (Cat S): Structurally damaged but repairable. Must be re-registered before being driven.
• Category N (Cat N): Non-structural damage (e.g., electrics or cosmetic); repairable and can be driven once fixed.

Written-off vehicles are either scrapped or sold at salvage auctions depending on the category. Category A and B cars are dismantled, while Cat S and N can be repaired and returned to the road if declared roadworthy.