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We manage the entire process from start to finish and keep you informed. This involves almost constant liaison with insurance companies, and they pay the bill for the services that we provide to you:
When an accident isn't your fault, the Third Party Insurer pays the bill.
Where it's your fault, your insurer pays the bill.
If it's partly the third party's fault and partly yours, the bill gets split between the two insurers.
Most of our members won't have a road accident, but some will and we'll seek to help them all.
2
Every part of our comprehensive service is valuable and chargeable.
So insurers will pay us for each element in an itemised bill - for example:
Vehicle recovery and storage at a secure facility
Repairing your vehicle
Your replacement vehicle (see further details below)
Your legal support and compensation award*
Your private medical treatment*
* If you've been injured in a non-fault accident and have chosen to claim for personal injury.
3
Your like-for-like replacement vehicle: how it works
After a non-fault accident, your replacement vehicle is provided to you on a Credit Hire basis, and it works like this:
Every vehicle on the road fits within a particular category: small car, prestige car, large van, sports motorcycle, etc.
All of those catagories are universally agreed and regularly reviewed and updated by UK insurers
Every category has a specific Daily Hire Rate universally agreed by UK insurers.
The Daily Hire Rate is a specific charge for providing you with a vehicle similar to your own while we manage your repairs.
Multiply the Daily Hire Rate by the number of days it has taken to repair your vehicle - that's the total Credit Hire Charge.
We invoice this to the other driver's insurance company. In contrast, your own insurance company may decide not to cover your expenses after an accident, or they may set limits on the amount of money that they're willing to pay out. With us, you have no such problems.
4
We must complete your repairs in a timely manner, right first time, with no delays.
Given how the like-for-like replacement vehicle is charged for, you might think this was open to abuse. That it's better to take as much time as possible to complete your vehicle's repairs so that you have the replacement vehicle for longer and we can charge insurers more money. But the exact opposite is actually true:
If an insurer feels that repairs have taken deliberately longer than they should have, they can and will point-blank refuse to pay the bill, resulting in lengthy wrangling and delay in our bill being paid. None of that affects you in any way - remember, you do not pay and you would have your repaired vehicle back. But it would be bad news for our claims management process.
Put simply, healthy cashflow is far more important than higher profit margins. It is far better to be well known for completing repairs quickly and right-first-time and so be able to present genuine bills to insurers that are paid quickly without cause for argument. A bill that an insurer refuses to pay means hefty costs we've incurred with no money coming back in. That is not sustainable. That is why it is imperative that we complete your repairs in a timely manner: our cashflow stays positive and you get your own car back quickly.
