Do I have to use my insurer’s preferred bodyshop?

In many cases, no. You can usually choose where your vehicle is repaired, even if your insurer recommends a network repairer. The exact process depends on your policy and claim circumstances.

Should I speak to a repairer before calling my insurer?

You can. Speaking to a repair specialist early can help you understand your options and the next steps before you enter a claims pathway. If you’ve already contacted your insurer, you can still ask about using your chosen repairer.

Will a non-fault accident affect my no-claims bonus?

A correctly handled non-fault claim should not reduce your no-claims bonus if costs are recovered from the at-fault party, but this can vary by insurer and policy terms. Your insurer can confirm how they treat your specific claim.

How much will I pay in a non-fault claim?

Costs are typically pursued from the at-fault insurer where liability is accepted. Depending on how your claim is handled, you may need to pay your policy excess initially (if applicable) and it may be recoverable. We’ll explain the likely cost route before any work begins.

Can you deal with my insurer for me?

Yes. We can help by explaining the repair process, supporting you with the information insurers commonly request, and liaising where appropriate, so the process stays straightforward and transparent.

Do you offer courtesy cars for non-fault accidents?

Courtesy vehicles may be available subject to availability and eligibility. If you need a replacement vehicle, mention it when booking and we’ll confirm the options available for your circumstances.

What information should I have ready?

Useful information includes your registration number, the accident date/time and location, photos of the damage (if available), and the other party’s details (name, registration, insurer if known). If you already have a claim reference, share that too.

How quickly can you inspect my vehicle?

You can book an appointment online or visit during opening hours. Inspection availability varies week to week, and we’ll confirm the next steps after we’ve seen the vehicle and damage.

Do you repair all makes and models?

Yes. We repair a wide range of makes and models and follow safe, modern repair processes, including support for ADAS calibration where required.

What types of repairs do you carry out?

We carry out accident repairs, insurance repairs, scratch and dent repairs, bumper repairs, panel repair and replacement, paintwork and refinishing, ADAS recalibration, four-wheel alignment and glass removal and replacement.

Non-Fault Accident Repair | You Choose the Bodyshop | Scuffed Up Swansea

Non-Fault Accident?

Before You Call Your Insurer — Read This

If you’ve been involved in a non-fault accident, the next steps matter more than most drivers realise.

Once you call your insurer, you may be steered toward their repair network, their accident management partner, or a claims process that removes your choice. Once they know about a claim, your premiums will be affected.

You do not have to accept this.

At Scuffed Up, we help drivers protect their rights, arrange repairs correctly, and deal with insurers without pressure or shortcuts.

Book a Free Vehicle Inspection at Scuffed Up

What Is a Non-Fault Accident?

A non-fault accident usually means:

Another driver caused the accident
Their insurer is responsible for the costs
You should not be financially disadvantaged

This includes:

Rear-end collisions
Parked vehicle damage
Hit-and-run incidents (with evidence)
Accidents where liability is clearly not yours

🚨 Important: You Can Choose Your Repairer

Even in a non-fault claim, you are legally entitled to choose where your vehicle is repaired.

Insurers may suggest or encourage their preferred repairer — but this is not mandatory.

Choosing your own bodyshop means:

Your car is repaired properly, not cheaply
Repairs aren’t rushed to meet insurer targets
Safety systems (ADAS) are handled correctly
You deal with real people, not call centres

Image of two cars involved in a collision, one silver and one red, with visible front-end damage, on a road with a blurred truck in the background. Overlaid text promotes non-fault accident repairs and assistance services.

We Regularly Deal With These Insurers

We work with — and handle claims involving — major UK insurers including:

Aviva
AXA
Admiral
Direct Line
LV=
Hastings Direct
Churchill
esure

Choosing Scuffed Up does not invalidate your claim.

Your Questions,

Answered

( Common Non-Fault Accident Questions (Answered Clearly) )

No.
If you’re non-fault, you can speak to a repair specialist before contacting your insurer — and often this puts you in a stronger position.
A correctly handled non-fault claim should not affect your no-claims bonus, provided costs are recovered from the at-fault party.
In many non-fault cases:
- Repairs are paid by the at-fault insurer
- Your excess will be recoverable
- Courtesy or replacement vehicles may be provided
We explain everything before anything is agreed.
You can decline.
You are entitled to choose — even if it requires a calm but firm response. We help customers navigate this conversation every week.
- Independent, family-run accident repair centre
- BSI BS10125 certified
- ATA-qualified technicians
- ADAS-aware repair processes
- Experience handling non-fault claims properly
- No pressure, no call-centre scripts
Our role is simple:
Protect your vehicle, your rights, and your peace of mind.
- Assessing the damage
- Explaining your rights clearly
- Liaising with insurers where needed
- Ensuring repairs are done correctly
- Keeping the process straightforward
No jargon. No hard sell.

Take the Right

First Step

If you’ve been involved in a non-fault accident, the best time to act is before insurers make decisions for you.

Non-Fault Accident?

Before You Call Your Insurer — Read This

What Is a Non-Fault Accident?

🚨 Important: You Can Choose Your Repairer

We Regularly Deal With These Insurers

Your Questions,

Answered

( Common Non-Fault Accident Questions (Answered Clearly) )

Take the Right

First Step

👉 Speak to our team or

book an appointment

📞 Get clear advice

before

you call your insurer

VISIT US TODAY

Non-Fault Accident?

Before You Call Your Insurer — Read This

What Is a Non-Fault Accident?

🚨 Important: You Can Choose Your Repairer

We Regularly Deal With These Insurers

Your Questions,

Answered

( Common Non-Fault Accident Questions (Answered Clearly) )

Do I have to call my insurer first?

Will this affect my no-claims bonus?

Will I have to pay anything?

What if my insurer tells me I must use their repairer?

Why Speak to Scuffed Up First?

What We’ll Help You With

Take the Right

First Step

👉 Speak to our team or

book an appointment

📞 Get clear advice

before

you call your insurer

VISIT US TODAY