Download the free Uninsured Accident Checklist (PDF)
Take a breath — this is more common than you think
Plenty of good people drive without comprehensive cover, or simply choose not to claim. It's never a problem here, and there's no judgment. The right move depends on one thing: who was at fault.
Option 1 — You weren't at fault: recover your costs
If another driver caused the crash, you may be able to recover your repair costs from them or their insurer — even without your own policy. We give you a documented quote to support it. (Full guide here.)
Option 2 — Pay privately, the smart way
If you're paying yourself, you're in control. We quote honestly and can fix what matters for safety first — then stage the cosmetic work for later. You only spend what you need to right now.
Option 3 — Chose not to claim
Even insured drivers often pay privately to protect their no-claims history and avoid premium hikes. If your repair is close to your excess, paying privately is frequently the better call. We'll give you our honest opinion.
What never changes
Whichever path you take, the repair quality is identical — factory standard, same technicians, same lifetime workmanship warranty. Uninsured and private jobs are treated exactly like insurance work.
Your simple next step
Send us a few photos. We'll give you an honest, no-pressure quote within one business day and talk you through the best option for your situation. See the full picture here.
This guide is general information, not legal advice. For your specific situation, consider speaking with a solicitor or your local community legal centre. We're always happy to provide an honest, itemised repair quote to support your claim.
