Honestly, there isn’t one. We manage your whole claim for you — from the second you report it to the minute you're paid out. And, best of all, it won’t cost you a penny. The financial and legal obligation all rests on the at-fault insurance company and we’ll deal with them directly, on your behalf.

Dealing with your insurer can be a car crash in itself. And that’s if you manage to get through to them. We avoid any third wheeling, dealing with everything on your behalf. Not just saving you the stress and time, but protecting you from that god-awful elevator music they’d have you listening to.

Believing in complete transparency, we make sure you’re never hit by any hidden costs — or any nasty surprises along the way.
Your claim is covered through your membership and, if the accident wasn't your fault, we recover all costs from the other party's insurer.
We also don’t charge you extra if you are at fault. Quite the opposite. We’ll put £150 towards your excess, so you’re only responsible for any uninsured costs, such as the remaining policy excess amount.
The only time we would charge you is if we find out you’re making a fraudulent claim — for example, a staged accident. In this situation, you’d be liable for all hire car charges.

Not one bit.
If you claim through us and it’s not your fault, you won't pay a penny of excess and we’ll protect your no-claims. Even if you are at fault, we’ll put £150 towards your excess.
The only thing that could potentially change is your insurance premium, but even that wouldn’t increase as much as if your insurer handled the claim.