5 things to know about car insurance after a collision

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When you have a collision in your vehicle, you naturally assume you are fully protected and that your insurer will take care of everything with the minimum of fuss and disruption.  However, that expectation can be misplaced inconveniencing you and your family in the minutes, hours and days that follow.  In this article we explain what can be done to keep you mobile without additional cost.

Here are five things you should know about car insurance after a collision:

1. You are NOT entitled to a Courtesy Car if your car is written off
2. Even if you do receive a replacement vehicle while yours is being repaired it is often a small courtesy car – if you drive a 7-Seater or 4×4 etc this is likely to be unsuitable
3. If you are fully comprehensively insured and you have a collision that was not your fault you may have to pay your policy excess
4. Your no claims bonus is likely to be put on hold until your claim is resolved, which can be costly if your renewal arises during this period
5. You are often required to use your insurer’s approved repairer to manage your vehicle repairs

Car insurance is a necessity but while we all spend time searching the ‘comparison websites’ for a good deal, are we fully protected? And what happens if we are involved in a collision that wasn’t our fault?

Vision Care cardVeteran collision management specialists, Vision, share with us their experience and knowledge of the industry as well as the opportunity to receive a FREE Collision Care Card with step by step collision advice.

Established in 1995, Vision has working protocols via The Association of British Insurers (ABI) which allows them to supply drivers who were not at fault with a quality vehicle and a professional service. A recent report from the Office of Fair Trading estimates that 76%* of non-fault drivers that receive a replacement vehicle following a collision, receive one from a company like Vision.

So what happens if you call Vision?

Once Vision’s experienced first response team has established you are not at fault, we can deliver a like-for-like replacement vehicle (including4x4’s SUV’s, etc.) to your home or place of work – usually within 24 hours.

We can waive your policy excess,oversee your claim and manage the repair of your vehicle at a garage of your choice. We will also liaise with your insurer on your behalf.

Furthermore,if your vehicle is a write-off we will negotiate a settlement figure to get you the best outcome and provide you with a vehicle up to seven days after you receive a settlement cheque.

What is the cost?

There is no cost to you. Through working protocols with the Association of British Insurers (ABI), Vision can supply any not-at-fault motorist with a quality like-for-like replacement vehicle and a professional service at NO cost. The fee for the vehicle we place you in is paid for by the at-fault party’s insurance company.

Vision Care cardWhere do I register to receive my FREE Collision Care Card and what do I do in the event of a collision?

Simply click here to register for your care card. Once we receive your details we will post our collision care card pack to you. Our small booklet and card give you a step-by-step guide of what to do in the event of a collision.

Established in 1995, Vision’s service primarily assists motorists involved in a collision that was not their fault. Through our working protocols with The Association of British Insurers (ABI), we can supply you with a quality vehicle and a professional service – all at no cost to you. The fee for the vehicle that we place you in is paid for by the at-fault party’s insurance company.

*OFT1422

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