Home / Non-Fault Claims

It’s your vehicle. It’s your choice.

If someone else caused the accident, you do not have to use their insurer's repairer. Stanways Autobodies handles non-fault repairs in Lytham St Annes and deals with the third party insurer on your behalf. Where liability is accepted the repair is funded by the at-fault insurer, typically with no excess for you to pay. We are BS10125 certified and Hyundai manufacturer approved.

If the accident wasn’t your fault, you don’t have to use the third party’s insurer’s chosen repairer. You can choose us, and we handle the entire claim end to end.

Usually No ExcessSimilar-Class Courtesy CarNo Claim On Your Own PolicyWe Deal With The Insurer

Tell us what happened →📞 01253 735544

The Most Important Thing You Need To Know

You don’t have to ring your insurer first.

Most people think the first phone call after an accident has to be a claim on their own insurer. It doesn’t have to be, particularly if the accident wasn’t your fault. Most policies still require you to notify your insurer that an incident happened, but actually claiming on your own cover is what can affect your no-claims bonus and excess.

If someone else is at fault, the third-party’s insurer is liable for your repair, your hire vehicle, and your out-of-pocket costs. You don’t even need to claim through your own policy. We can help you do this directly.

Call us before you contact your own insurer, where possible.

If you’ve just had a non-fault accident, the smartest thing you can do is call us before anyone else. We’ll talk you through what to do, what to record at the scene, and how to handle the third-party claim without it costing you a penny. Call 01253 735544. We’re here Mon to Fri 8am to 5pm, Sat by appointment only.

What You’re Entitled To

In a non-fault claim, you get:

✓Full repair cost covered

Where the third party’s insurer accepts liability, they pay for the repair. In most cases that means no excess and no top-up for you, and we will tell you up front if anything about your case is different.

✓Similar-class courtesy vehicle where eligible

If you drive a Range Rover, we’ll push for a comparable replacement under the third-party insurer’s policy, arranged for the duration of your repair and paid for by the third party.

✓No-claims bonus protected

When the repair is handled through the third-party insurer rather than your own, you avoid claiming on your own cover, so your no-claims bonus should not be reduced. You may still need to notify your own insurer, and an incident on your record can still affect future pricing.

✓Loss of use compensation

If for any reason you can’t have a hire car, you may be entitled to compensation for being without your own vehicle. We’ll advise.

✓Recovery from the scene

If your car isn’t drivable, we’ll recover it directly to our facility, not to a holding compound where storage charges build up.

✓End-to-end claim handling

We deal with the third-party insurer, the engineers, the parts, the paperwork. You get your car repaired and your life back.

The Process

From phone call to handover.

It’s simpler than you think. Most non-fault claims don’t need anything from you beyond the initial details and a signature.

Call us.

Give us a quick description and the third party’s details if you have them.

Recovery if needed.

Free recovery within 40 miles, direct to our facility.

Damage assessment.

We document everything thoroughly: photos, structural checks, parts list.

Hire vehicle delivered.

Like-for-like, to you, on the day.

Claim submitted.

Direct to the third-party’s insurer. Their problem now, not yours.

Repair completed.

BS10125, Hyundai-approved standard. Full quality check.

You collect.

Or we deliver back to you.

Hire car returned. Claim closed.

⚠ Watch out for “approved repairer” pressure

The third party’s insurer may suggest a repairer from its own network. Those networks are set up around rates and capacity agreed with the insurer. If the accident was not your fault, you do not have to use their repairer. Tell them you want the repair done at Stanways Autobodies and we will deal with the insurer from there.

What We Need From You

As little as possible.

Non-fault claims should be hassle-free. Here’s the only stuff we really need:

✓Your name, address and contact details

✓Your vehicle registration and the make/model

✓Date and brief description of the accident

✓The third party’s name, vehicle reg and (if you have it) their insurance details

✓Photos from the scene if you have them, useful but not essential

✓A police reference number if one was issued

That’s it. We take it from there.

Just had a non-fault accident?

Tell us what happened and Stan will walk you through the details in 3 minutes. Or call us if you’d rather talk to a human first.

Tell us what happened →📞 Call 01253 735544 💬 WhatsApp

Tell us what happened

A few quick questions about the accident and we will tell you where you stand. It takes about a minute, and there is no obligation.

Start the check Or call us on 01253 735544