How It Works

How Your Non-Fault Accident Claim Works

Most people have never made a non-fault accident claim before. Here’s exactly what happens from the moment you call us.

Keystone adviser explaining the non-fault accident claim process
01

Step 1 — We Confirm Your Claim

When you call, we’ll ask a few straightforward questions about the accident: what happened, whether anyone was injured, and whether your car is still driveable. This lets us confirm you’re eligible for a non-fault claim and work out what you need most urgently.

There’s no obligation at this stage, and the call costs you nothing.

02

Step 2 — We Arrange Recovery

If your car can’t be driven, we arrange recovery from the scene or from wherever it’s currently sitting, and secure storage until repairs can begin. You don’t need to organise a thing.

03

Step 3 — You Get a Replacement Vehicle

We provide a replacement vehicle that’s like-for-like with your own — matched to your vehicle class, not a smaller downgrade. You keep it for as long as your car is off the road, so your daily life isn’t disrupted.

If you drive for a living, tell us when you call. We’ll prioritise getting you back on the road, because every day off the road is income lost.

04

Step 4 — We Book and Manage Your Repairs

Your car goes into our insurance-approved repair network, where it’s repaired to full standard using quality parts. We handle the booking, liaise with the garage, and keep you updated on progress — you don’t need to chase anyone.

05

Step 5 — We Deal With the At-Fault Insurer

This is the part most people dread, and it’s the part we take off your hands entirely. We handle communication with the at-fault driver’s insurer directly and recover all costs from them. You don’t pay an excess, and your own no claims bonus stays intact.

06

Step 6 — You’re Back on the Road

Once repairs are complete and quality-checked, your car is returned to you and the replacement vehicle goes back. Nothing to pay, nothing outstanding.

07

What If I’ve Been Injured or Lost Earnings?

If you’ve been injured in the accident, lost earnings through time off work, or incurred other costs, we can connect you with our specialist legal partners. They’ll advise you on what you may be entitled to recover and pursue it on your behalf, under their own regulated advice.

Ready to start your claim?

Call 02039671999 and our team will explain the process and arrange the next steps.

Call 020 3967 1999