Some people are under the impression that contacting their insurance company immediately after a non-fault accident is essential. However, when comparing the two available options, Accident Management is the more beneficial choice.
We provide a comparable replacement for the full duration your car is off the road.
We do not require an excess to start a non-fault claim.
We claim directly against the at-fault party’s insurance, leaving your No Claims Bonus unaffected.
Our repair network uses only manufacturer-approved parts and paint during repairs.
You’ll receive a dedicated claims handler to guide you through the full process, start-to-finish.
A standard courtesy car may be provided, but is not guaranteed for the full claim duration.
Your insurer will charge you your own policy excess to claim.
The claim is raised initially against your own policy, potentially affecting your No Claims Bonus.
Insurance-approved repairs can prioritise cost saving.
You’re unlikely to speak to the same person again when contacting them and will usually experience long wait times when calling.
Call us on 02892789107
Click to explore more comparisons between our services and your own insurer.
By law, you have the right to choose how you claim.
If you make a claim on your insurance, your claim will be classed as open until all the costs have been recovered by your insurer. It could take 12 months for your insurer to recover all its losses.
Your premium may increase anywhere between 20%-50% regardless of whether it’s fault or non-fault, as you are seen as a higher risk.
In addition, this could have an effect on your future policies for the next 5 years because when renewing insurers ask for your claims history over this period.
When you make a claim on your insurance, even if your no claims is protected it could be reduced by 2 years.
If they are not protected, you could lose them altogether.
It could take at least 12 months for your insurer to recover all of their losses and only if they do will your no claims be unaffected.
Regardless of no claims bonus, your premium may still increase anywhere between 20% – 50% as any accident is seen as a future risk by insurers and could affect you for the next 5 years.
Insurers ask about previous claims history over this period when renewing.
They do not use genuine parts when repairing vehicles.
When you take out your insurance policy, you opt to pay an excess in the event of an accident.
As such, if you make a claim, you are responsible to cover the agreed excess and depending on the excess agreed upon when the policy was taken out, it could be several hundred pounds.
Your insurer may charge you an extra lump sum for using your own repairer.
This is because they want you to use their network repairer so they can save money.
This is unfair because by law you are entitled to use any repairer you want to fix your vehicle.
Should this happen, you would be on your own to challenge the increased fees with your insurer.
If you use your insurer’s approved repairer and your vehicle is repairable (one is not supplied if your own is written off or stolen), you may be offered a courtesy vehicle that is usually a small 1.0 hatchback that may not meet your needs.
It will also be taken away if the repairs exceed the maximum number of days your policy permits you to have a courtesy car (usually no more than 21 days).
Your insurer may undervalue your vehicle in order to save money.
It would be down to you to provide evidence that it is worth more, this means going through online websites such as Auto Trader to find the true value of your vehicle.
It could result in you having to pay for an independent engineer to value the vehicle, a cost of which you would not get back.
This could be a long and exhaustive process to get what you are entitled to, and the insurer will likely challenge your evidence to keep costs down.
Insurance companies do not own a fleet of vehicles, nor do they have an army of claims handlers to deal with your claim.
They want to do one thing: Insure vehicles and take the premiums.
Handling a claim requires expertise and has a cost of employing claims handlers which most insurers do not want to do, as most will have an arrangement with an accident management company like us to provide you with a vehicle and handle the claim.
No long holding queues or generic email addresses, you will be provided a direct dial and email address for your claims handler who will walk you through the whole process taking away the stress and hassle of dealing with a claim.
Whether you own Bentley or a Ford Fiesta, we can provide a Comparable Replacement Vehicle delivered anywhere in the UK within 4 hours of case acceptance, ensuring you are placed back into the same position as you were prior to the accident.
As you are not claiming from your insurance policy, your no claims bonus and premiums will remain unaffected.
We can arrange collection of your damaged vehicle whether it is at the roadside or outside your home address, ensuring it is moved out of harm’s way into secure storage.
Our repair network use manufacturer approved parts and paints during repair.
Our accident management experts are here to help with your Vehicle Accident Claims Management, Roadside Recovery, Vehicle Repair, Vehicle Storage and Comparable Vehicle Replacement/Hire.
Call us on 02892789107
Some people are under the impression that contacting their insurance company immediately after a non-fault accident is essential. However, when comparing the two available options, Accident Management is the more beneficial choice.
Our team of non-fault claim specialists are ready to answer any questions you have. Provide your details here to request a callback. One of our advisors will call you back as soon as possible. Alternatively, call us on 02892789107 to speak to someone now.
Speak to us first. We’ll handle everything.
Call us on 02892789107
info@rtaclaimassist.co.uk
34a Beechill Park Avenue, Belfast BT8 7PR
ⓒ TRUST Claims NI Ltd (ACA) 2025