When another driver causes an accident, the law is clear: you're entitled to be put back in the position you were in before the crash. Yet thousands of drivers pay excesses and lose no claims discounts every year — simply because they didn't know their rights.
You don't have to claim through your own insurer
You can claim directly against the at-fault driver's insurer. That means no excess to pay and no claim recorded against your own policy, so your no claims discount stays intact.
You're entitled to a like-for-like replacement vehicle
If your vehicle is undriveable or in for repair, you're entitled to a replacement of a similar standard — not just the cheapest courtesy car available. If you drive for a living, that extends to plated taxis and private hire vehicles.
You can recover all reasonable losses
Recovery fees, storage, repairs, loss of earnings, travel expenses, damaged personal items — if a loss flows from the accident, it's potentially recoverable from the at-fault insurer. A specialist handler will make sure nothing is missed.