Motor Claims Line is independent and is not your insurer. For eligible non-fault accident claims,
you can choose to use our service instead of making the claim through your own insurer. We can manage the claim
process, arrange recovery, repairs and a replacement vehicle where suitable, and deal with the relevant insurers on your behalf, subject to your agreement and the Terms and Conditions.
No. After you report the incident to us, you should still notify your own insurer for their records. This keeps all parties up to date with accurate information.
Motor Claims Line is a specialist claims management company. We do not sell or replace car insurance — we only assist with accident claims after they occur.
Yes — if the accident was not your fault. The at-fault insurer covers all reasonable costs, including any repair excess that would normally apply. You pay nothing out of pocket when we handle the claim.
No, not at all. Simply speaking to us for advice or guidance has no impact on your insurance policy or no-claims discount. We only proceed with a claim if you choose to.
No, it will not.
If the accident was not your fault, you pay no excess and we protect your no-claims discount.
Any effect on your premium should be much smaller than if your insurer handled the claim themselves.
You should contact your insurer to report the claim and obtain a reference number, which you can then pass to your Motor Claims Line approved repairer.
We will assess the damage and obtain the necessary authorisation from your insurer.
All costs are covered by the at-fault insurance company. This includes recovery, repairs, and a suitable replacement vehicle — it is their legal obligation to pay reasonable expenses.
We negotiate with the at-fault insurer on your behalf.
If your vehicle is written off, we use professional valuation tools to secure a fair market value. Once agreed, the money is paid directly to you.
You are responsible for clearing any outstanding finance. We will let you keep the replacement vehicle for seven days after receiving the payout to give you time to find a new car.
Sometimes the insurers dispute responsibility after reviewing the evidence.
If this happens, we will work with you to clarify the facts. You will need to provide all relevant documents and evidence so we can establish liability with the other party.
If an agreement cannot be reached, you may need to claim through your own insurance policy.
If you are not at fault and your insurer does not pay any costs, your no-claims bonus will remain unaffected.
By handling the claim directly with the at-fault insurer instead of your own. When the other party is responsible, nothing goes through your policy, so your no-claims discount and claims history stay protected.
No. We manage all the paperwork, negotiations, and communication. You don’t need to speak to the other driver or deal with their insurer at any point.
We gather all available evidence — including photos, dashcam footage, witness statements, and police reports if available. We then build a strong case to prove liability and push back against any false information. Our experienced team is used to dealing with these situations and will fight to get the outcome you deserve.
The replacement vehicle is provided under a credit hire agreement. We aim to recover the hire charges from the at-fault insurer in eligible non-fault claims, but the customer remains responsible under the agreement in the limited circumstances explained in the Terms and Conditions.
When you use one of our BS10125-approved repairers, we will provide a hire car until your vehicle is repaired. We aim to supply a similar class of vehicle, though an exact match is not always possible.
We arrange a temporary replacement vehicle. While there is a cost for this service, you will not pay anything upfront. We cover the charges initially through credit hire and recover them from the at-fault insurer.
This is why we refer to it as a replacement vehicle rather than a courtesy car.
You will receive a suitable like-for-like replacement wherever possible (same or very similar size and class to your own vehicle). We supply it for as long as your car is being repaired or until a settlement is reached if it is written off.
Yes. We will do our best to supply another electric vehicle so you can continue driving green.
BS 10125 is the recognised industry standard for collision repairs. It ensures the repaired vehicle meets manufacturer standards and is fully safe and roadworthy.
We only fit brand-new genuine manufacturer parts. This is different from many insurers who frequently use second-hand or recycled “green” parts.
Yes, if it gives you peace of mind. However, if you are at fault and the garage is not in our approved network, we will not be able to provide a replacement vehicle.
Repairs are carried out at our approved BS 10125 bodyshops. We will try to select one close to your home where possible.
Your approved Motor Claims Line repairer will provide a lifetime workmanship guarantee on the quality of the repair for as long as you own the vehicle.