WHAT IS CREDIT REPAIR?
Get your car repaired now, the at-fault insurer pays later.
Credit repair means we arrange to have your damaged vehicle repaired straight away on credit, then recover the cost from the driver who caused the accident. You don't dip into your own pocket and you don't have to wait for the other side's insurer to drag their heels before your car is fixed. To be clear, this has nothing to do with mending a credit score — it's about repairing your actual vehicle after a non-fault road accident.
Because the work is done on credit, you avoid paying an excess and protect your no-claims bonus, since you're not claiming on your own policy. Credit repair is one part of putting you back where you were before the crash, alongside our wider help with recovering road traffic accident losses such as a replacement hire car and out-of-pocket expenses. If you were also hurt, our team can advise on a separate road traffic accident injury claim at the same time.
What we arrange & recover
Quality repairs
Your car is repaired to a proper standard by a reputable garage, so it's safe and roadworthy when it comes back to you — not a quick patch-up.
Manufacturer-approved parts
Where it matters, repairs use manufacturer-approved parts so your vehicle keeps its quality, safety and resale value, not cut-price alternatives.
Nothing upfront
The repair is carried out on credit, so there's no excess to find and no invoice landing on your doormat while you wait for the claim to settle.
Recovered from at-fault insurer
We pursue the full reasonable cost of the repairs from the at-fault driver's insurer, so the person who caused the damage foots the bill.
Fast turnaround
We move quickly to get the repair booked in, keeping you off the kerb and back behind the wheel as soon as possible after the accident.
No effect on your no-claims
Because you're not claiming on your own policy, a genuine non-fault repair shouldn't touch your premium or your hard-earned no-claims bonus.
You may have a claim if…
The accident was not your fault
Your vehicle is damaged but repairable
You want it repaired without using your own insurance
The accident happened in England or Wales
How your claim works
01
Free consultation
Call us for a free, no-pressure chat about what happened. We'll check the accident was non-fault and explain exactly how credit repair works for your situation.
02
We arrange the repair
We book your vehicle in with an approved garage and get the work under way — quality repairs, fair turnaround, and no upfront cost to you.
03
We recover the costs
We put the claim to the at-fault driver's insurer and pursue the full reasonable repair cost, keeping you updated and dealing with the paperwork.
04
Settled with the insurer
Once the insurer settles, the repair bill is paid by them, not you. You're back on the road in your own car with nothing out of pocket.
Credit repair FAQs
Is this the same as fixing my credit score?+
No. Credit repair here means having your vehicle repaired on credit after a non-fault accident, with the cost recovered from the at-fault driver's insurer. It has nothing to do with improving a credit rating or clearing debts.
Who pays for the repairs?+
The at-fault driver's insurer. Because the crash wasn't your fault, the law allows you to recover the reasonable cost of putting your vehicle right from the party responsible for the damage.
Will it cost me anything?+
If your claim is genuinely non-fault and the repair costs are reasonable, you shouldn't pay anything. We'll always explain any terms clearly upfront before going ahead, so there are no surprises.
Can I choose the garage?+
In most cases we'll arrange a trusted, approved garage to keep things quick and the costs reasonable. If you have a preferred or manufacturer garage, tell us and we'll do our best to accommodate it.
Will it affect my insurance or no-claims?+
A genuine non-fault credit repair shouldn't affect your premium or no-claims bonus, because you're not claiming on your own policy. It's still sensible to notify your insurer for information only.
What if my car can't be repaired?+
If the damage is too severe and your vehicle is written off, the repair route doesn't apply. Instead we'd pursue the pre-accident market value of your car from the at-fault insurer, so you're fairly compensated for the loss.
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