The PCO Driver's Guide to Accident Claims

You're a PCO driver. You're insured. You work hard. Then an accident happens.

Your car is damaged. You can't earn. Your Uber/Bolt ratings matter. TfL compliance matters. You need answers fast.

Here's what to do in the first hour, what to document, how to protect your earnings, and what happens next.

The First Hour: What to Do

#1. Safety First - Check if anyone is injured - Call 999 if needed - Move vehicles to a safe location - Turn on hazard lights

#2. Get Their Details Get the other driver's: - Name and phone number - Address - Insurance company and policy number - Vehicle registration and model - Dash cam footage (if available)

#3. Take Photos - Damage to both vehicles - Scene of the accident - Traffic conditions - Road signs and markings - Both drivers' faces (if they consent)

#4. Report to Police For hit-and-run or serious damage, get a police report number. You'll need it for insurance.

#5. Call Us Call Easy Car Claims anytime. We're here 24/7. Average answer time: 2 minutes.

Tell us: - Where and when the accident happened - Damage severity - Whether it was your fault - If anyone is injured

Documentation You Need

Have ready when you call: - Driving licence - Vehicle registration document (V5C) - Insurance policy details - Dashcam footage (if available) - Photos of damage - Other driver's details - Police report number (if applicable)

That's it. We handle everything else.

TfL Compliance: Does It Matter?

**Short answer: No.**

Your TfL Private Hire Operator licence isn't affected by an accident claim. What matters is: - Your driving record (clean/marked depending on fault) - Your insurance validity - Your vehicle's roadworthiness after repair

We ensure your vehicle is fully repaired and certified before handover. You can work with any platform immediately.

Loss of Earnings: What You Can Claim

If you're off the road, you lose income. Claim it.

**How to calculate:** - Check your Uber/Bolt app for average daily earnings - Count the days your vehicle was unavailable - Multiply: Daily rate × Days = Claim amount

Example: £150/day × 7 days = £1,050

We claim this from the at-fault party's insurer.

Replacement Vehicle: Availability & Quality

**Speed:** Vehicle delivered within 24 hours. Collection available within 24 hours.

**Quality:** Identical to your original. Current model, similar condition, full TfL licensing.

**Insurance:** Fully insured from the moment you take the wheel. Any damage in the replacement is covered by the at-fault party's insurer.

**Work immediately:** Your replacement is ready to work with Uber, Bolt, FreeNow, Ola on day one.

The Claims Process

**Step 1: Immediate Assessment** (24 hours) We assess your damage, confirm liability, and explain your coverage.

**Step 2: Submit Claim** (24-48 hours) We submit to the at-fault party's insurer with all evidence.

**Step 3: Repairs Begin** (48 hours) Your car goes to our in-house bodyshop. Repair timeline provided.

**Step 4: Replacement Provided** (24 hours) TfL-compliant vehicle delivered while yours is repaired.

**Step 5: Live Updates** (ongoing) Your dedicated handler keeps you updated by phone and email at every stage — no chasing required.

**Step 6: Handover** (5-7 days) Your repaired vehicle is inspected, certified, and delivered.

**Step 7: Payment** (60-90 days) Insurer reimburses repair costs, excess recovery (if applicable), and loss of earnings.

At-Fault Accident? We Still Help

Even if you caused the accident, we can help with: - Repair quotes and timelines - Replacement vehicle - Claims management through your insurer

Your excess applies, but your claim is still processed quickly.

After the Accident: Key Reminders

• Preserve all documentation ✓ Report to your insurer within 30 days ✓ Don't admit fault verbally to anyone ✓ Keep us informed of any follow-ups ✓ Stay reachable on the phone number we've got on file for updates ✓ Claim for all downtime (loss of earnings)

Why We Exist

Traditional claims companies take weeks. They outsource repairs. Mark-ups are 30-50%. You're left without a vehicle. Your earnings tank.

We're different: - 24-hour replacement guarantee - In-house repairs (5-7 days) - Transparent pricing - Real-time tracking - Loss of earnings claimed

You get back to work faster. You earn more. You stress less.

Next Steps

Got in an accident? Call us now. 24/7. No waiting. We answer in 2 minutes.

Tell us what happened. We'll handle the rest.