VIP Claims

VIP Claims, accident management for non-fault drivers in the UK

VIP Claims is a UK accident management company that takes over the handling of non-fault accident claims on behalf of drivers. Its stated model is to deal with insurers, third parties, engineers and repairers directly so that the driver does not have to, and to do so at no upfront cost. The company presents itself as "the UK's no.1 accident management specialist" and reports having handled more than 1,250 successful claims.

The service is aimed at drivers who were not at fault in a collision. The site describes a no-win-no-fee approach, a 24-hour response and nationwide coverage across the United Kingdom.

How a claim is handled

The process is set out in three stages. The driver first reports what happened, either through a short online form or a single phone call, providing only the details needed to move the claim forward. From that point VIP Claims takes over contact with insurers, third parties, engineers and repairers. The final stage is the return of the driver to the road, with a like-for-like replacement vehicle, completed repairs and recovery of losses.

According to the company, replacement vehicles are provided within 48 hours and repairs are completed and the car returned in two to four weeks. It also states that a hire period buffer of seven days after a total-loss settlement is offered.

What the service covers

• Management of eligible non-fault claims from start to finish.
• Liaison with insurers, third parties, engineers and repairers.
• Like-for-like replacement vehicle, described as available within 48 hours.
• Repairs through a network the company describes as vetted and approved, with the driver able to choose the repairer.
• Recovery of the driver's losses.
• A single named claims handler as point of contact.
• 24-hour response and nationwide coverage in the UK.

Positioning against going directly to an insurer

The site contrasts its service with the standard insurer route. It claims that calls are answered within five rings by a person, that the driver pays no excess, that the no-claims bonus is unaffected, that a like-for-like car is supplied within 48 hours and that the driver keeps a named handler throughout. It also states that the repairer can be chosen from its approved network, whereas insurers tend to direct customers to their own network. These are the company's own comparisons and are presented as such.

Recovered vehicles cited

To illustrate outcomes, the site lists several recovered vehicles with the amount recovered and the type of incident: an Audi RS6 with £12,500 recovered after a non-fault collision, a Mercedes CLA35 with £9,800 after a front-end impact, a Mercedes G63 with £14,200 after a non-fault collision and an Audi A7 with £3,800 after a non-fault collision.

Customer feedback and coverage

The company reports over 1,250 successful claims and publishes short testimonials from drivers in London, Manchester and Birmingham describing courtesy cars supplied within a day, prompt phone contact and the return of repaired vehicles. It also states that it operates independently and is not affiliated with, endorsed by or partnered with any insurer named on its site.