We’ll be even quicker if you have the following to hand:
- The date, time and location
- The damage to your vehicle
- Your registration number
- Any third-party information
Prefer to report it online? It only takes a couple of minutes.
Had an Accident That Wasn’t Your Fault? Let our claims team simplify your car insurance claim.
New claims team
For new claims call:
0330 043 0036
Estimated wait time: Under 60 seconds.
Existing claim support
Get updates on an existing claim.
0330 043 0036
Estimated wait time: Under 60 seconds.
Complete accident claim management
From the moment you call, we handle every part of your non-fault accident claim — recovery, a replacement vehicle, approved repairs and dealing with insurers on your behalf.
Recovery & Storage
24/7 nationwide recovery
We recover damaged or unroadworthy vehicles and store them securely while your claim is ongoing.
Replacement Vehicle
Like-for-like replacement
We arrange a suitable like-for-like replacement vehicle to keep you moving while your claim is ongoing.
Approved Repairs
Insurer-approved repairs
Your vehicle is repaired through approved repairers using manufacturer-approved methods and parts where applicable.
Claim Management
Dedicated claims support
One dedicated team manages your claim from start to finish and keeps you updated throughout.
Total Loss
Total loss assistance
If your vehicle is written off, we help secure the best possible settlement and guide you through the process.
All UK insurers covered
Making a claim involving Saga?
We specialise in non-fault accident claims involving Saga — but our service covers every major UK insurer. Whoever’s involved, we manage the whole process on your behalf.
Admiral
Aviva
Direct Line
Hastings Direct
LV
Saga
Marshmallow
GoSkippy
Don't see your insurer? We almost certainly cover it — get in touch and we'll confirm.
Independent service: Motor Claims Line is an independent claims management company and is not affiliated with, endorsed by or connected to Saga.
Don't just take our word for it
Trusted by thousands of drivers nationwide
Rated Excellent on Trustpilot 4.6/5 from 257 verified reviews
Very informative throughout the process
“Simple, efficient and knowledgeable. The team kept me informed throughout and answered every question I had. Brilliant company to deal with.”
Second time I’ve used these guys
“Second time I’ve used these guys. I’d never go through my insurer again for a non-fault claim. They sorted a hire vehicle quickly and handled everything efficiently.”
What fantastic service
“Fantastic service. We had another car the same day and didn’t have to deal with the stress of chasing insurers ourselves.”
They took everything in hand from the first phone call to the final payment. Very professional
“From the first phone call they handled everything — claim, car hire, vehicle recovery and final payout — while keeping me updated throughout.”
Helpful and hands on
“Really helpful and hands on throughout the whole process. They sorted a courtesy car within two hours and handled everything for me.”
Things to consider after a non-fault accident
The information below is a general guide only. The exact position will depend on the circumstances of the accident, your own insurance policy, the third-party insurer’s position, and the terms of any agreement entered into.
Using Motor Claims Line
- Speak to a dedicated claims team – No call-centre runaround. Our team helps manage the claim from start to finish.
- Replacement vehicle arranged where suitable – We can arrange a like-for-like hire vehicle in eligible non-fault claims.
- We deal with the process for you – Recovery, repairs, hire and insurer communication can all be handled through one team.
- No upfront hire or recovery cost in eligible claims – We aim to recover the reasonable charges from the at-fault insurer.
Going through your insurer
- Your claim may be handled under your own policy – This can mean dealing with your own insurer’s process, excess rules and claim procedures.
- Replacement vehicle options may be limited – Your policy may only provide a courtesy car, subject to availability and policy terms.
- You may need to stay involved throughout – You may have to manage updates, documents, repair progress and insurer communication yourself.
- Your claim may still appear on your insurance record – Even where the accident was not your fault, your insurer may still record the incident.
Questions about your claim?
Here are answers to some of the most common questions drivers ask before starting their claim.
What kind of replacement car will I get and for how long?
We provide a suitable like-for-like replacement vehicle wherever possible — usually a similar size and class to your own. You keep the vehicle for the duration of repairs or until your claim is settled if your car is written off.
Does just calling you for advice affect my insurance?
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.
Do I have to manage any of the paperwork or talk to the other driver?
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.
Will this affect my no-claims bonus?
In most non-fault claims, your no-claims bonus and claims history can remain protected because we deal directly with the at-fault insurer instead of claiming through your own policy.
What happens if the other driver disputes the accident?
We gather supporting evidence including photos, dashcam footage, witness statements and repair reports to help establish liability. Our experienced claims team handles these situations regularly and works to protect your position throughout the claim.