FAQ/Benefits
From collision to compensation, we drive your recovery—no matter who’s at fault
Do I Have To Pay Excess? – Frequently Asked Questions
Will I have to pay any excess if I make a claim through you?
No. When the other driver is at fault, we recover all costs from their insurer, so there’s no excess for you to pay — ever.
Could there be any surprise costs after an accident?
None at all. Accident-related repairs and fees are billed to the at-fault driver’s insurer, so you won’t face unexpected expenses.
Why shouldn’t I just claim through my own insurer?
Using your own policy usually means paying the excess up-front and waiting for reimbursement. We deal directly with the at-fault driver’s insurer, saving you both the payment and the paperwork.
How does this help protect my future premiums?
Even if your insurer later refunds your excess, making a claim can still appear on your record and push premiums up. By keeping the claim off your policy, we help you avoid those hikes.
Is it really fair that the other insurer pays everything?
Absolutely. UK law says the party that caused the collision must cover all reasonable costs. We simply make sure that happens so you’re never out of pocket.
Do I have to wait for my excess to be refunded?
No waiting, because you never pay it in the first place. Your money stays where it belongs — in your pocket.
If the accident is my fault do I have to pay?
Yes – if the accident is your fault you will have to pay the excess you agreed with your insurer when you set up your policy
What Happens With My No-Claims Bonus (NCB) — Frequently Asked Questions
Will my No-Claims Bonus be affected if I use your service?
No. Because we claim directly from the at-fault driver’s insurer, your own policy stays completely untouched, so your hard-earned NCB remains intact.
Why might my insurer reduce my NCB on a non-fault claim?
If you report the accident through your own insurer, they initially pay for repairs and mark your policy as having a claim. Until fault is settled, they treat the cost as yours, which can chip away at your NCB and raise your next premium.
How do you prevent that from happening?
Our non-fault claim specialists deal only with the at-fault driver’s insurer. Your insurer is never asked to pay out, so the claim never appears against your record and your NCB stays protected.
Can this really save me money at renewal time?
Absolutely. Even a small NCB reduction can push next year’s premium up by hundreds of pounds. By keeping your NCB at 100 %, we help you avoid those hidden costs.
What makes your team qualified to protect my NCB?
We handle non-fault claims every day and understand the exact evidence and paperwork insurers need. That expertise lets us fast-track liability decisions and keep your policy (and your NCB) completely clean.
If the accident is my fault do I have to pay?
Yes – if the accident is your fault you will have to pay the excess you agreed with your insurer when you set up your policy
Replacement Vehicle — Frequently Asked Questions
Will you give me a replacement car while mine is being repaired?
No. When the other driver is at fault, we recover all costs from their insurer, so there’s no excess for you to pay — ever.
Is the courtesy car similar to my own?
None at all. Accident-related repairs and fees are billed to the at-fault driver’s insurer, so you won’t face unexpected expenses.
Why not just use my insurer’s courtesy-car offer?
Using your own policy usually means paying the excess up-front and waiting for reimbursement. We deal directly with the at-fault driver’s insurer, saving you both the payment and the paperwork.
How does this minimise disruption to my daily life?
Even if your insurer later refunds your excess, making a claim can still appear on your record and push premiums up. By keeping the claim off your policy, we help you avoid those hikes.
Do I have to pay anything for the replacement car?
Absolutely. UK law says the party that caused the collision must cover all reasonable costs. We simply make sure that happens so you’re never out of pocket.
What happens once my car is repaired or replaced?
No waiting, because you never pay it in the first place. Your money stays where it belongs — in your pocket.
Repairs & Warranty — Frequently Asked Questions
Who actually repairs my car?
Do you use genuine parts and paint?
Why is that important for my warranty?
Will the repair affect my car’s resale value?
Do I have to pay anything for these premium repairs?
Why APS? – Frequently Asked Questions
Why should I choose Accident Pro Services UK for a non-fault accident?
Non-fault claims are all we do. Since 2015 we’ve specialised exclusively in recovering costs, repairs and compensation when you weren’t to blame, giving you the best chance of a full, fast settlement.
What qualifications or experience does your team have?
Every case handler is trained in road-traffic regulations, liability law and negotiation tactics, and our processes have been refined over the years of real-world claims work.
How is this different from going through my own insurer?
Insurers aim to close files quickly and cheaply, which can lead to low offers or gaps in cover. We fight for full liability on your behalf, so nothing you’re entitled to gets left on the table.
Will you handle the entire claim for me?
Yes. From first assessment to final settlement, we manage evidence gathering, liability disputes, repair authorisation, hire-car provision and compensation recovery – all while keeping you updated.
What if the other driver’s insurer refuses to accept fault?
Our specialists build a robust evidence file (witness statements, CCTV, police reports, telematics) and negotiate directly with the third-party insurer. If needed, we escalate through arbitration or court at no cost to you.
What’s the cost for using your service?
Zero. We recover our fees from the at-fault insurer, so you pay nothing and keep 100 % of any compensation awarded.