Car Insurance

It may take a number of months to settle the other driver’s claim. We’ll endeavour to agree a fair and reasonable settlement. If you are at fault then we can assist the other driver with any repairs that are required and help them with any alternative transport that they may require whilst their own vehicle is being repaired.

If they are injured, we'll assist them with any rehabilitation treatment and will compensate them fairly for their injury.

Under the current legislation claims for injury can be made up to a period of 3 years and for non-injury claims it is 6 years after the accident has taken place, or 5 years in Scotland.

In the event that we do not agree that the other driver's claim is reasonable, we will pay an amount which we feel represents the true value of their claim. We will only pay for damages which we feel have been caused solely by the accident and are reasonable. This may result in the other driver issuing court proceedings in an attempt to recover their losses in full.

Any claim you wish to make through your own insurance policy will be subject to your excess and may affect your No Claims Discount (NCD). By going directly to the third party’s insurance you can avoid this payment and the incident will only be recorded on your policy for notification purposes, therefore not affecting your NCD.