We Deal with the Insurance Companies So You Don’t Have To
Dealing with insurance call centres is one of the most frustrating parts of being in a collision. If you need to make a non fault car insurance claim NI, Bump Accident Management takes the entire burden off your shoulders.
When you’ve been hit by another driver, you shouldn’t have to spend hours on hold, repeating your story to different departments, and fighting to get what you’re legally entitled to. We act entirely on your behalf, dealing directly with the at-fault driver’s insurance company, handling your car insurance claim from start to finish.
Expert support for non fault vehicle claims. You don’t pay us a penny. Our fees are recovered directly from the third-party insurer. There is no excess to pay, and because you aren’t claiming on your own policy, your hard-earned no-claims bonus remains completely protected.
Why Let Bump Handle Your Non Fault Car Insurance Claim?
Many drivers mistakenly believe they must manage the claim through their own insurance provider. Here is why using our accident management Northern Ireland service is the smarter choice:
1. Protect Your No-Claims Bonus
if you go through your own insurance, your no-claims bonus is often suspended or reduced until liability is officially settled which can take months. By using Bump, we claim directly against the at fault driver’s insurance, meaning your policy and your bonus are completely unaffected.
2. Avoid Paying Your Excess
When you use your own insurance, you usually have to pay your policy excess upfront (often £250 to £500) to get your car fixed, even if the crash wasn’t your fault. You then have to wait to claim it back. With Bump, there is zero excess to pay.
3. Get What You Actually Deserve
Insurance companies are businesses looking to minimise their pay-outs. They want your car insurance claim to cost as little as possible so they often try to push you into using their cheaper repair networks or offer you a low settlement if your car is a write-off. We work for you. We ensure you get high-quality car accident repairs in Belfast and all across NI, and if your car is written off, our total loss car accident team fights for its true market value.
How the Claims Process Works
We’ve made the claims process as simple as possible. Here is what happens when you hand it over to us:
1. Give Us a Call: Contact our Northern Ireland team with the details of the accident and the third party’s information.
2. We Take Over: We immediately contact the at-fault driver’s insurance company to establish liability and initiate the claim.
3. Keep You Moving: While the claim is processing, we arrange your vehicle recovery and deliver a replacement car after an accident in NI straight to your door.
4. Settle the Claim: We manage all the paperwork, engineering reports, and negotiations until the claim is fully settled and your car is returned to you.
Frequently Asked Questions About Claims
Do I still need to tell my own insurance company?
Yes. It is a condition of almost all motor insurance policies that you inform them of any accident, regardless of fault. However, you simply tell them “for information purposes only” and let them know Bump Accident Management is handling the claim against the third party.
What if the other driver isn’t insured?
If you’ve been hit by an uninsured driver, the standard claims process doesn’t apply. However, our specialist uninsured driver accident team can still help you pursue a claim through the Motor Insurers’ Bureau (MIB).
How long does a claim take to settle?
Every case is different. A straightforward rear-end shunt where liability is admitted immediately can be sorted very quickly. More complex cases take longer. But because we provide you with a replacement vehicle for the duration, you won’t be inconvenienced while you wait.
Skip the Call Centre Queues
Insurance call centres are designed to slow you down. You’ll be passed between departments, asked to repeat your details, and put on hold for ages every time you call them. We bypass all of that by dealing directly with the third-party insurer on your behalf.
Don’t let an insurance company dictate how your claim is handled. Let the local experts fight your corner.
- No excess to pay.
- No-claims bonus protected.
- We handle all the paperwork and phone calls.
- Zero cost to you.
Call our Northern Ireland claims team now on 028 9602 6082 or send us a WhatsApp message to get started.