Accident claims
Accident? We take it from here.
From the first call to settlement: replacement car, recovery, storage, repair and the claim itself. If it was not your fault, the costs are claimed from the at-fault insurer and you watch every step in your portal.
- £0 upfront
- No excess
- Not on your record
- 24/7 recovery
- Not on your record
- £0 upfront
- No excess
- 2-hour delivery
- Keep earning
What we handle
Everything after the accident
One handler, one portal, one schedule of loss. You do not chase anyone.
Replacement car
Like-for-like, delivered within 2 hours inside London. TfL-plated if you drive PCO.
Learn moreRecovery
24/7 recovery from the scene, the roadside or your home to secure storage or the repairer.
Storage
Secure storage while liability and repairs are sorted. Listed as a head of loss, not billed to you.
Repair management
An approved repairer or one you choose. Estimate, parts, paint and quality check, tracked with photos.
Your losses, itemised
Hire, recovery, storage, repair, loss of earnings. Each listed with its evidence and pursued from the at-fault insurer.
Injury referral
If anyone was hurt we refer you to a solicitor. We do not advise on injury and take no payment for the referral.
How it works
What happens next, with the clock on it
This is the order things happen after you report. Each step shows in your portal as it completes.
- 01
90 SECONDS
Tell us what happened
Online or on the 24/7 line. Reg lookup fills in your car. Photos are sealed and time-stamped.
- 02
SAME DAY
Insurer notified, car allocated
We write to the at-fault insurer on day one and match a like-for-like car to yours.
- 03
WITHIN 2 HOURS
Car delivered, yours recovered
Replacement handed over inside London. Your car collected and stored or taken to the repairer.
- 04
TO SETTLEMENT
Repair and claim tracked live
Every estimate, photo, letter and agreed figure shows in your portal until your car is back.
Recovery and storage
Off the road safely, stored securely
Our recovery line is open 24/7, 365 days a year. Your car goes to secure storage or straight to the repairer, and both are recorded as heads of loss.
- Recovery from the scene, the roadside or your home
- Secure storage while liability and repairs are agreed
- Every collection and movement logged in your portal
- Nothing to pay upfront on a non-fault claim
Repair management
Four stages, each with photos
- 01
Inspection and estimate
The repairer inspects your car and sends the estimate and photos to your portal.
- 02
Authorised and booked
Nothing is agreed without your say-so. Once authorised, parts are ordered and the job is booked.
- 03
Repair with photo updates
Strip, panel, paint and rebuild. The repairer posts progress photos as each stage completes.
- 04
Quality check and handback
Checked before you get it back. Your replacement is collected when your own car is returned.
To start
All we need from you
Start with what you have. Your handler chases anything missing.
- Your registration and contact details
- The other driver's registration, and their insurer if you have it
- What happened, in your own words
- Photos of the damage and the scene, if you have them
- Dashcam footage or witness details, if any
- Driving licence and insurance documents can follow later
London, from Isleworth
Based in Isleworth. Delivering across London.
Two-hour delivery covers Greater London. Outside that, call us and we will tell you an honest time before you commit to anything.
- Isleworth
- Hounslow
- Richmond
- Brentford
- Heathrow
- Ealing
- West London
- Greater London
Our base
44 Syon Lane, Isleworth, TW7 5NQ
Accident line
020 7052 5403 · 24/7, 365 days a year
Office hours
Mon–Fri 9am–7pm · Sat 11am–6pm
Insurer vs us
Claim on your own policy, or claim from theirs? It's not close.
After a non-fault accident you have two routes. One costs you your excess and puts a claim on your record. The other doesn't.
Route A
Through your own insurer
Your excess
You pay it first — usually £250 to £1,000 — and try to get it back later.
Your no-claims bonus
A claim goes on your own policy. Your bonus can be affected until fault is settled.
Claim on your policy
Yes — a claim is opened against you and stays on your record.
Replacement car
Whatever your policy allows — often a small hatchback, sometimes nothing.
If you drive for Uber, Bolt or FREENOW
Standard courtesy cars aren't PCO-licensed. You can't work.
Who chases the at-fault insurer
You do — on hold, between jobs, for weeks.
Route B
Not on your recordWith Courtesy Cars UK
Your excess
Nothing to pay. We claim from the at-fault driver's insurer, not you.
Your no-claims bonus
No claim on your policy, so your no-claims bonus isn't touched.
Claim on your policy
No. It's not on your record — the at-fault insurer carries it.
Replacement car
Like-for-like. TfL-plated if you drive PCO, so it matches what you lost.
If you drive for Uber, Bolt or FREENOW
TfL-licensed replacement so you keep earning while your car is fixed.
Who chases the at-fault insurer
We do. Every call and letter is logged in your portal.
You should still tell your own insurer the accident happened — that's a notification, not a claim. Under credit hire we seek to recover charges from the at-fault party's insurer. Recovery is not guaranteed and you may be liable under your agreement if the claim is unsuccessful or you are found to be at fault. How we are paid.
Questions, answered
Accident claims, your questions answered
You pay £0 upfront. The replacement car, recovery, storage and repair are hired or arranged on credit and the charges are claimed from the at-fault driver's insurer. Recovery is not certain, and you may be liable under your agreement if the claim fails or you are found to be at fault. We put this in writing before you sign.
Within 2 hours across Greater London once your position is confirmed. Further out, we tell you an honest time before you commit.
No. We handle every call and letter with the at-fault insurer from the first notification to settlement, and you see each one in your portal.
You keep the replacement until the at-fault insurer agrees a pre-accident value and pays out. We help you challenge a low offer with market evidence.
Yes. We can still provide self-pay hire, recovery, storage and repair management, with rates confirmed in writing before you commit.
Ready when you are
Let's get your claim started.
Report in 90 seconds. Car within 2 hours inside London. Recovery, storage and repair managed and tracked.
Under credit hire, charges are claimed from the at-fault driver's insurer. Recovery is not certain and you may be liable under your agreement if the claim fails or you are found to be at fault. We explain this in writing before you sign.