Road accidents

Accident Management Company vs Insurance Company: Which is the better option?

After getting into an accident, you may be wondering what route is best to go down in order to get the compensation you deserve. We’re here to break down both accidental management companies and insurance companies so that you can make an informed choice on which option is best for you.

Should I use an accident management company or go through my insurance?

After being involved in a motor vehicle accident, your first instinct will probably be to contact your insurance and make a claim, without first exploring alternative options.

Most claims through insurance involve a lengthy and tedious process. This, along with the cost attached, makes people hesitant to make a claim, even when they are in the right. Here are the main things to think about when considering your options.

The hidden costs

Claiming on your insurance can lead to increased premiums as well as increasing your excess, meaning some see claiming on insurance as more hassle than what it’s worth. The Association of British Insurers states that the amount you can save from not claiming on insurance ranges from 30% for one claim-free year and 60% for five claim-free years. This means drivers benefit financially in the long run from not using their insurance.

Going through an Accident management company, like Claimsline, instead of your insurance saves you on average £537.00*. This is through saving on excess fees. Accident management companies also have no fees for becoming a member, so there are no hidden costs involved.

The scale of the incident

When wanting to claim on your car insurance, it is important to weigh up the financial costs of the incident and what the insurance would be covering. These financial costs could include accidental damage, theft, and vandalism for both your vehicle and any others involved in the incident. You should also consider any legal fees related to the incident that need to be accounted for.

When you have accounted for all of these estimated costs, you will have a better understanding of if claiming on insurance is something you benefit from. This is worth looking at, as sometimes the increased cost of your premium would override the amount it would cost to pay for the incident out of pocket. You may find that bigger claims are worth following through with, whereas claims for smaller accidents would not be financially viable. If you have been involved in a minor incident, getting in touch with an accident management company can be a better alternative.

Consider alternative options to what you are Familiar with

Many drivers often prefer their insurance company over an Accident Management Company due to the established trust and familiarity they have developed. In a lot of cases, the driver has previously researched and chosen an insurance company that aligns with their wants and values, so in turn they have already established a relationship with them. This could be the case even if they have never actually needed to make a claim through their insurance before. In comparison, accident management companies can seem alien to a customer who has not used one before, especially with the uncertainty of knowing how to find a trusted accident management company to handle their claim. This can result in drivers reverting to their familiar insurance company, without first exploring other options which could deal with their claim in a simpler and more cost-effective manner. Claimsline is an established and trustworthy accident management company, rated excellent on Trustpilot with over 700 reviews.


720 reviews

Time and Convenience

Using an accident management company can save you time and hassle by handling administrative tasks, arranging repairs, and providing support throughout the claims process. This can be a big deciding factor for some drivers who don’t have the time or knowledge to speak with third parties themselves. Accident management companies may have expertise in handling accident claims and can provide support and guidance throughout the process.

Insurance companies can be more convenient for those who have already claimed for similar incidents in the past. The long-term relationships that drivers have with their car insurance providers mean that there is an existing familiarity with how the claiming process is carried out. Drivers might find that their insurance company is great and convenient at handling simple claims, but may want to enquire with an accident management company for more complex scenarios, as they specialise solely in managing the aftermath of accidents.

Why Claimsline?

Claimsline is free to sign up to and is an established accident management company trusted by over 18,000 motorists. Unlike most insurance companies, Claimsline’s number 1 value is the time and well-being of members.

After an accident, members can call Claimsline and speak with one of our professionals in under 3 minutes. From there, your personal claims manager will ensure everything is dealt with for you, and that you get the compensation you deserve.

Claimsline members pay no excess for accidents that aren’t their fault. If our member is found to be at fault for an accident, we pay £150 towards the excess. This makes Claimsline a no-brainer first point of call for any motor vehicle accident.

Additional support on which option is the right option for you

Been involved in an accident and are still unsure of what your next step should be? Fill out an online form detailing your claim, and a member of our team will be in touch to advise.

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© Copyright 2024 Claimsline Group Ltd. All Rights Reserved. is a trading style of Claimsline Group Ltd, registered in England and Wales, Company registration number 09071409. Registered Office: C/O Burton Varley Ltd, Suite 3, 2nd Floor, Didsbury House, 748 - 754 Wilmslow Road, Manchester, United Kingdom, M20 2DW. VAT registration number 199616255. Registered with the Information Commissioner's Office; registration number ZA059156. Where the service is offered at No win no Fee this means that a customer will typically pay 42% Inclusive of VAT of any amount recovered by a panel solicitor although this will be subject to your individual circumstances and the actual fee may be less than this but it will never be more. A cancellation fee may be charged by a third party/panel solicitor if you cancel outside the cooling off period. You do not need to use a claims management company to make a Personal Injury claim; you can do this yourself for free using the Claims Injury Portal if your claim falls under its remit. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive. You can find our terms of use, privacy policy and our cookie policy here. Claimsline Group Ltd is a claims management company. Any solicitor or car hire company we recommend you to is an independent professional from whom you will receive impartial and confidential advice. You are free to choose another solicitor. *We saved on average clients £537* Over the past 12 months, from 2nd May 2022 to 2nd May 2023, we provided a replacement vehicle to 4,092 clients, and we are pleased to report that none of them had to pay any excess. Our clients have saved an average of £537, which is based on the average excess amount that our clients would have had to pay during that period. **We'll pay £150 towards your excess fee if you're responsible for an accident. How do we do this? When you come to collect your car after repairs are completed, we'll provide credit against your excess payment of £150. In order for us to credit £150 you must be using one of our approved BS 10125 repairers. ***Where we reference "Our membership has already saved customers an incredible £8 million and counting!" Since we began we have helped 16,709 clients who we have provided a replacement vehicle to as of 2nd May 2023, over the past twelve months the average excess saved was £537.Claimsline Group Ltd is regulated by the Financial Conduct Authority in respect of regulated claims management activities. Our FRN Number is 831196. As published in The Times on 24/09/23, The Daily Mail 08/10/23, The Guardian 09/09/23.