After an accident, your insurer may seem like the obvious first call. However, even when the accident wasn’t your fault, claiming through your own insurance can come with downsides.
You may need to pay your policy excess
Your no-claims bonus may be affected
Insurance premiums can increase at renewal
Insurance premiums can increase at renewal
Courtesy cars are often basic, limited, or delayed
Repairs may be sent to cost-focused garages, not specialist repair centres
You may need to manage multiple parties yourself
Insurance companies are designed to protect their policies. They don't necessarily maximize your entitlements after a non-fault accident.
An accident claims management company works differently.
Instead of claiming against your own policy, the claim is handled directly against the at-fault driver’s insurer. This allows you to access the services you’re legally entitled to without using your insurance.
Simple Claims manages non-fault accident claims across London, handling everything from start to finish so you don’t have to.
Our service includes:
Roadside recovery after an accident
Like-for-like replacement vehicles
Vehicle repairs and storage
Personal injury support
Full claims handling and insurer communication
Start your claim today with our expert team and in-house services, and get back on the road faster.
The difference becomes clear when you compare how both options deal with a non-fault claim. The points below show how both options affect cost, convenience, and control.
Cost
You may pay an excess and still see premium increases.
No upfront costs. No excess. Costs recovered from the at-fault insurer.
Replacement Vehicle
Often a basic courtesy car with limited availability.
A like-for-like replacement vehicle while your car is off the road.
Repairs
Repairs may prioritise cost over quality.
Repairs arranged through trusted, insurance-approved repair centres with manufacturer-approved parts.
Claims Handling
Repairs may prioritise cost over quality.
A dedicated claims handler manages everything for you.
Insurance Impact
Your policy is used, which may affect your record.
Your insurance policy remains untouched.
Read more on 👉 Will my insurance be affected after a non-fault accident?
If the accident was your fault, your insurer is the correct route.
If the accident was not your fault, using an accident management company is usually the better option, especially if:
Accident management is suitable if:
For confirmed non-fault claims, Simple Claims offers clear advantages and full end-to-end support.
Simple Claims provides London-wide accident support with an in-house team. One point of contact manages everything from repair coordination to replacement vehicles, ensuring a fast, smooth recovery.
Start your claim today with our expert team and in-house services, and get back on the road faster.
In most cases, we can deliver a like-for-like replacement within 24 hours of your claim being approved.
Your car will be repaired in our own insurance-approved garage using manufacturer-approved parts.
Car accident claims management means handling everything after a non-fault accident from recovery, insurance, repairs, replacement vehicles, to full compensation. All managed on your behalf.
No. There are no upfront costs, and we operate with no hidden fees or excess charges.
We currently support drivers across Greater London. If you’re unsure whether your location is covered, our team can confirm this when you contact us.
No. Your No Claims bonus is protected, and your insurance record stays safe.
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Simple Claims is a London-based accident claims management company serving drivers across Greater London.
