Ensure your vehicle is roadworthy before you drive it again. For example, check that the lights still work, there is no dangerous bodywork or sharp edges that may injure other road users and there are no leaking fluids.

“Don’t be Bullied. The Association of British Insurers and the Financial Services Authority agree the choice is yours. There are very few exceptions to this rule”

Remember it is YOUR VEHICLE and YOU CAN CHOOSE who repairs it. Many Insurers have networks of their ‘Approved’ repairers; they may try and convince you to have your car repaired where they choose. This is for their convenience, not yours!

Don’t be unduly influenced by insurer’s suggestions of delays and extra costs if you don’t do as they say. You are entitled to consider the benefits of dealing with the garage of your choice, including the eventual trade in value of your vehicle and the consumer protection of a recognised code of practice. You may also have obligations under contract hire or lease agreements. Remember you are NOT obliged to have your car repaired at an insurance nominated garage.

Please refer to Accident management page.

Your policy excess is the amount that you must pay towards the repair bill. You will need to pay this to ourselves when the repair is completed. In some cases, we may even be able to help pay towards your insurance excess (T&C apply) and for third party claims, you may be able to reclaim this back from the third party if the accident was not your fault.

Your insurer may choose to ‘write off’ your vehicle making it a total loss. This could occur when the repair cost is very high in comparison to vehicle market value. If this happens they will pay you the money and keep the vehicle to dispose of as they see fit.

Only one estimate is required. We will provide this and agree cost of parts, labour and materials with the insurance engineer who will come to inspect your vehicle whilst it is with us.