Non fault accident in Basildon: your rights explained

Somebody hit you. Now what?

A non fault claim is the one situation where drivers regularly lose money they never needed to spend, usually by accepting the first thing their insurer suggests.

Here is what you are actually entitled to.

You choose who repairs the car

Your policy does not tie you to the insurer's approved network. It never has. You can insist on Pro Touch in Basildon, and the claim proceeds exactly the same way. Say it clearly and early, because once a car has been collected by a network recovery agent it becomes much harder to move.

You are entitled to a like for like courtesy car

Not a category A city car when you drive a seven seater. If your vehicle is off the road because of somebody else's mistake, the replacement should be comparable in size and type. Tell us what you actually need, including automatic, towbar, wheelchair access or a van.

Your excess should not cost you

On a straightforward non fault claim the third party insurer pays. Where an excess is unavoidable at the outset, the group covers up to £500 of it on eligible non fault repairs, subject to the terms of your policy and our eligibility checks. We will tell you before any work starts whether your claim qualifies.

Your no claims bonus

A properly recovered non fault claim should leave your no claims discount intact. Delays and missing evidence are what turn a clean non fault claim into a "fault, undecided" entry on your record, which is why photographs and witness details matter so much on day one.

How we run it for you

1. You call us on 07759 275968, ideally before you speak to anyone else.
2. We take the details, arrange recovery if the car is not drivable, and get a replacement vehicle to you.
3. We notify the insurers, produce a full photographic estimate and chase the authority ourselves.
4. The car is repaired at Cranes Close, colour matched, baked, ADAS recalibrated where needed and quality checked.
5. It comes back valeted, with a lifetime paintwork guarantee.

What not to do

Do not accept cash at the roadside from the other driver, do not agree that you were partly to blame before you have thought about it, and do not let a claims management company you have never heard of sign you into a credit hire agreement over the phone.

We are in Basildon, you can walk in and speak to the people doing the work, and advice costs nothing.