Question 1

Can I get advice without committing to a claim?

Accepted Answer

Yes. Call us 24/7 and we'll talk through your options - no charge, no obligation. If you decide later not to proceed, that's fine. Most drivers who call us want to understand what they're entitled to before deciding how to handle the claim.

Question 2

I'm working long hours. Who handles the paperwork?

Accepted Answer

We do, after the initial 10-minute call. Once you've given us the accident details, the other driver's information, and photos of the damage, we manage every form, every insurer letter, every assessor visit, and every hire-vehicle handover. You'll get progress updates by phone and email from your dedicated handler — no chasing.

Question 3

How long does a claim take to settle?

Accepted Answer

A straightforward non-fault claim with clear liability typically settles within 3-6 months. Repairs and your replacement vehicle happen in the first week or two - it's the recovery from the at-fault insurer that can take longer, especially if liability is disputed or there's a personal injury element. Your dedicated handler keeps you informed by phone and email at every stage.

Question 4

Why claim through Easy Car Claims rather than going to my own insurer?

Accepted Answer

Two reasons. First, going through your own insurer often affects your premium at renewal, even on a non-fault claim, because most insurers record any claim activity. With us, costs are recovered from the at-fault party's insurer - your policy stays untouched. Second, your insurer typically passes the work to a panel of outsourced suppliers (assessor, bodyshop, hire company), and you end up explaining the accident three or four times. We handle every part in-house: one file handler, one phone number, one process.

Question 5

How fast can I get a replacement vehicle?

Accepted Answer

We deliver replacement vehicles within 24 hours. Collection available within 24 hours. Availability depends on vehicle availability and your location in London.

Question 6

Do I pay anything for the replacement vehicle?

Accepted Answer

No. For non-fault claims, the at-fault party's insurer covers all costs including replacement vehicle, delivery, and insurance.

Question 7

Will the replacement vehicle affect my Uber/Bolt rating?

Accepted Answer

No. The replacement vehicle is identical in quality to your original. Your rider experience stays consistent. No rating impact.

Question 8

Is my no-claims bonus protected?

Accepted Answer

Yes. For non-fault claims, your no-claims bonus is protected. We handle all liability management to keep your record clean.

Question 9

What if I'm at fault? Do I still get zero excess?

Accepted Answer

No — zero excess only applies to non-fault claims, where the other driver's insurer covers everything. On at-fault claims, your own policy applies, which means your standard excess (typically £300–£1,000 depending on your insurer) and a possible no-claims hit. We still handle the whole process for you — bodyshop repairs, replacement vehicle if your policy includes it, and claim management — but the financial side runs through your insurer rather than the at-fault party's. Call us and we'll review your specific policy before you decide.

Question 10

What if it's a hit-and-run?

Accepted Answer

We handle Motor Insurance Bureau (MIB) claims for uninsured/untraced drivers. Your excess may apply, but we manage the full process.

Question 11

Do you cover PCO/Uber/Bolt drivers?

Accepted Answer

Yes. We specialize in PCO, Uber, Bolt, FreeNow, and Ola drivers. All replacement vehicles are TfL-licensed and fully insured.

Question 12

Can I claim for loss of earnings (downtime)?

Accepted Answer

Yes. If liability is clear, we claim for your loss of earnings. We calculate your daily average earnings and claim the full period without your vehicle.

Question 13

How do you calculate loss of earnings?

Accepted Answer

We use your average daily earnings from your platform (Uber/Bolt shows this). We multiply that by the number of days your vehicle was unavailable.

Question 14

Can I still drive while my car is being repaired?

Accepted Answer

Yes. That's why we provide a replacement vehicle at zero cost. You keep earning while we handle repairs.

Question 15

Do you handle claims with multiple vehicles?

Accepted Answer

Yes. If you operate multiple vehicles, we manage claims on each. Each vehicle gets its own dedicated case file and timeline.

Question 16

How long do repairs typically take?

Accepted Answer

Average 5 days for most repairs. Major damage: 7-14 days. Our in-house bodyshop works quickly and professionally. Your dedicated handler updates you by phone and email at each stage.

Question 17

Do I have to use your bodyshop?

Accepted Answer

Your claim is valid regardless of where you repair. But we recommend ours - faster turnaround, better quality, zero hidden mark-ups.

Question 18

What documents do I need to provide?

Accepted Answer

Policy details, driving license, vehicle registration, photos of damage, and the other driver's details. That's it. We handle everything else.

Question 19

Can you claim for damage to my equipment (phone mounts, dashcam)?

Accepted Answer

Yes. If your equipment was damaged in the accident, we include that in the claim against the at-fault insurer.

Question 20

What if my insurance has lapsed?

Accepted Answer

It depends on when the lapse occurred and circumstances. Call us. We may still be able to help, especially if the accident was non-fault.

Frequently Asked Questions

Process & Paperwork