It is your choice if you want to go to your own insurance company. Do remember though, that often an insurance companies primary task is to keep their costs to a minimum, which in some cases can impact on the level of service and support you receive following an accident. In many cases despite the accident not being your fault, your insurance company may expect you to pay the excess on your policy and also an additional excess should you wish to choose your own repair garage. Your no claims bonus may also be affected, again despite it not being your fault, which could have an impact on your premium next year whilst investigations and ongoing. Furthermore, you may not be offered a suitable replacement vehicle to use whilst your vehicle is off the road.

When you instruct Concierge to provide a suitable hire vehicle following a non-fault accident, we do our utmost to ensure you receive the best possible service and have your best interests at heart. There is no excess to pay and there will be no impact on your No Claims Bonus, as you claim directly from the third parties insurer as opposed to through your own motor policy. Concierge aim to get you back on the road with a like-for-like replacement hire vehicle to suit your specific needs within 24 hours of initial contact where your vehicle is unroadworthy following a non-fault accident.

It is your choice how you wish to proceed. Please do take into account that this may not be in your best interest, as the other party may try to stipulate where the vehicle is repaired in order to minimise their costs. It is also unlikely that they will offer to pay for any extra damage caused that is later found whilst the vehicle is in repairs, nor will they likely offer to pay for a suitable replacement vehicle whilst your vehicle is off the road. In addition, it is also important to consider the warranty given for the repair if it is arranged outside of the insurance. Quite often, it may be the case that the third party underestimates the value of the repair costs initially and will later advise they wish to go via the insurance anyway which may cause unnecessary delays.

With Concierge, all of the above worry is taken away within one simple phone call; you are able to choose your own trusted repairer, we will provide you with a replacement hire vehicle to suit your specific needs and the repair to your vehicle is fully protected.

Yes, Concierge have long-standing relationships with a number of bodyshops nationwide and can assist you in recommending a repairer who specialises in your type of vehicle should you wish.

Concierge respect your legal right to choose who repairs your vehicle.

As you claim directly from the third parties insurer as opposed to through your own motor policy, your No Claims Bonus is not affected following your non-fault accident. If you choose to claim via your own insurer, even when the accident is not your fault, this can in some instances still negatively impact your no claims bonus and insurance policy whilst investigations are ongoing.

Call Concierge today to protect your no claims bonus and discuss the benefits.