Association of British Insurers (ABI)
The Association of British Insurers (ABI) are a governing body to which insurance companies can become a member of, providing they follow the code of practise outlined by the ABI.

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Approved Repairer
Most Insurers have an agreement with vehicle repairers to work hand in hand together to ensure that repairs are completed quickly and at a competitive cost. If you have been allocated an approved repairer you will not need to obtain estimates or wait for an engineer to inspect your vehicle. An approved repairer will only be allocated to those with comprehensive cover or where the vehicle repair is covered under policy terms e.g. damage following a theft or fire.

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Beyond Economical Repair
This means that it is not financially viable to repair your vehicle.

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Courtesy Car
A courtesy car is a free car provided by the repairing garage. You will be entitled to a courtesy car if you have comprehensive insurance and you are using your insurance companies approved repairer. If you are entitled to a courtesy car you must use this vehicle unless it is un-suitable for your needs i.e. the vehicle is not large enough for you to transport your family.

Please note you will not be entitled to a courtesy car if you are insured third party /third party fire and theft, if your vehicle is an undrievable write off, or if you have no cover under your insurance policy.

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Credit Hire Agreement
You will need to sign a credit hire agreement when you receive a replacement vehicle from Drive Assist. This agreement states that you accept the responsibility for the cost of the replacement vehicle, however you will not pay us as we will recover the cost from the at fault drivers insurance company.

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Comprehensive Insurance
Comprehensive insurance covers you for the repairs to your own vehicle following an incident e.g. crash, vandalism, fire or recovered theft. Vehicle recovery if it’s not driveable following and incident. Any damage to third party property e.g. car, wall or lamppost, windscreen breakage & personal accident benefits. Theft or damage to personal belongings (usually limited up to £250 per claim)

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Driver and Vehicle Licensing Agency
The Driver and Vehicle Licensing Agency is an Executive Agency of the Department for Transport (DfT) Their primary aims are to facilitate road safety and general law enforcement by maintaining registers of drivers and vehicles and to collect vehicle excise duty (car tax).

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Estimate
An accident repair centre will provide an estimate after they have assessed the damage to the vehicle. The estimate will show the price of the labour and sundries. You will only need to request an estimate if you are insured Third Party Fire and Theft or if you have chosen to use a non-approved repairer.

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General Terms of Agreement
In order to bring insurance companies and credit hire industries together the Association of British Insurers (ABI) introduced the General Terms of Agreement (GTA)

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Motor Insurance Bureau
The MIB are an organisation that assist drivers who have been involved in an accident where a third party is not insured or where a third party is foreign and the client needs assistance in finding the UK handling agent for their insurance company. All insurance companies fund the MIB; each insurer is expected to make a contribution.

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Policy Excess
When you take out your insurance cover you will have agreed to pay a policy excess amount as a contribution to settling your claim. The reason for insurers wanting a contribution towards the cost of repairs is to prevent people from claiming for minor damage such as broken wing mirror etc.

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Pre-Accident Value
The pre-accident value is what your vehicle was worth before the accident happened. If you are unsure of your vehicles pre-accident value please refer to a Glass's Guide.

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Third Party
The third party is the person responsible for causing the motor accident.

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Third Party Insurer
The third party insurer is the insurance company that has insured the person responsible for causing the motor accident.

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Third Party Fire and Theft Insurance
Third party fire and theft insurance covers you for any damage to third party property e.g. car, wall, or lamppost. It covers you for theft or attempted theft of your vehicle, damage caused by fire and any liability to passengers. It does not cover you for the damage to your own vehicle after an accident.

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Third Party Only Insurance
Third party only insurance covers you for any damage to third party property e.g. car, wall, or lamppost and any liability to passengers. It does not cover you for the damage to your own vehicle after an accident.

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Total Loss
This means that it is not financially viable to repair your vehicle.

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Uninsured Loss Recovery
When you have been involved in a non-fault accident you may have incurred other losses other than damage to your vehicle. For example your policy excess, vehicle recovery/ storage costs, loss of earnings, compensation for injury or death.

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Write Off
This means that it is not financially viable to repair your vehicle.

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