WHY CHOOSE US

You've had the accident. That should be the hard part.

Most people ring their own insurer, pay an excess they didn't owe, lose their no-claims discount and spend six weeks chasing three companies. We exist so that doesn't happen to you.

THE DIFFERENCE

Through us vs. through your own insurer

WITH FIRST RESPONSE ARC

✓No excess to find on a proven non-fault claim
✓Your no-claims discount protected where possible
✓Like-for-like courtesy car within two hours
✓One named handler for the whole claim
✓Repairs done in our own bodyshop, not subcontracted out

GOING STRAIGHT TO YOUR INSURER

×Excess usually payable up front, even when you were not at fault
×No-claims discount often affected until liability is settled
×Courtesy car may be the smallest available, or none at all
×Different department every time you ring
×Repair sent to whichever approved shop has capacity

HOW WE WORK

Four commitments we don't move on

C/01One call, one handler

You get a named person with a direct line. They own your claim from the roadside to the day the car comes back.

C/02Assessed to manufacturer standards

Damage is inspected and documented properly before it goes to the insurer for authorisation — not estimated from a photo.

C/03Mobility, immediately

A like-for-like courtesy car within two hours of instruction on a non-fault claim, for as long as the repair takes.

C/04Evidence, not promises

Photographs at every stage, the engineer’s report, and the old parts kept for you to inspect.

COMMON QUESTIONS

The things everyone asks

Will this cost me anything?

On a proven non-fault claim, no. Costs are recovered from the at-fault party’s insurer, so there is no excess and no bill for you. On a fault claim we tell you exactly where you stand before anything starts.

Do I have to use my insurer’s approved garage?

No. You have the legal right to choose who repairs your vehicle, regardless of what your policy documents suggest. We deal with the insurer on that point for you.

How quickly can I get a courtesy car?

Within two hours of instruction in most cases, delivered to your home or your work, and in the same class as the vehicle you lost.

What if my car is written off?

If it is beyond economical repair we handle the valuation dispute for you and push for a settlement that reflects what the car was actually worth, not the insurer’s opening offer.

How long will the repair take?

A bumper or single panel is usually a few days. Structural work depends on parts and insurer authorisation — your handler gives you a date and updates you if it moves.