Auto Claims

What Auto Claims does

Auto Claims UK Limited is a Birmingham-based accident management services company that has operated continuously in the UK motor claims market for over 30 years (founded approximately 1988). The company provides end-to-end claim management to individual motorists, corporate fleet operators, insurance brokers, and taxi fleet operators across England, Scotland, and Ireland. Service offerings span replacement vehicle provision (guaranteed within 2 hours, with same-day delivery for 90% of clients from a network of more than 20,000 vehicles), accident repairs through the curated NRG repairer network, personal injury claim handling, in-house legal assistance under a no-win no-fee model, and a subscription-based Crash Guard membership program that bundles excess protection, legal cover up to £100,000, courtesy vehicles, roadside recovery, and theft protection.

The technology platform centres on the Crash Guard mobile application (launched October 2017 for iOS and Android), which provides structured accident documentation via GPS tracking, voice recorder, and image capture with one-touch submission to the claims team. A bespoke internal IT system underpins claims lifecycle management, cost capture, and claims-leakage minimisation, while a dedicated broker portal (brokers.autoclaims.co.uk) provides insurance intermediaries with end-to-end claim visibility and EDI billing. The platform architecture also supports white-labelled deployments for enterprise clients, exemplified by the Carillion One Road to Safety app.

The business model blends recurring subscription revenue (annual Crash Guard memberships, pricing not publicly disclosed) with professional services fees on claims management — including credit hire and credit repair recoveries pursued from at-fault third parties — alongside channel partnerships with insurance brokers and the NRG repair network. Go-to-market is primarily sales-led, anchored on a 24/7 phone hotline (0843 0800 325) and broker relationships, augmented by white-label enterprise solutions, sports sponsorships for brand visibility, and a freemium mobile app for direct consumer reach. The company is privately held, founder/management-owned with no disclosed external investment, and operates with a small headcount of 11–50 employees.

Name

Auto Claims

Legal name

Auto Claims UK Limited

Website

https://autoclaims.co.uk

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

11–50 employees

Short description

Auto Claims UK Limited is a Birmingham-based accident management services provider offering replacement vehicles, accident repairs, personal injury claims, and in-house legal assistance to UK motorists, corporate fleets, insurance brokers, and taxi operators through its Crash Guard membership, mobile app, and broker portal.

Ownership category

akta.pro rank

Product category

Motor Accident Claims Management

NAICS

Claims Adjusting (524291), Automotive Repair and Maintenance (8111), Other Automotive Repair and Maintenance (81119)

SIC

Services-Automotive Repair, Services & Parking (7500), Services-Auto Rental & Leasing (No Drivers) (7510), Services-Legal Services (8111)

akta.pro primary industry

Non-Owned Auto Liability (Employee/Contractor Use) (TLABANAC)

akta.pro secondary industry

Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Accident claims management
• Motor vehicle replacement
• Personal injury claims
• Fleet accident management
• Insurance broker services

Headquarters

HQ city

Birmingham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Claims Management Services: Fees for managing accident claims including replacement vehicles, repairs, and legal assistance for both fault and non-fault accidents
2. Crash Guard Membership: Annual membership providing excess protection, replacement vehicles, legal cover, roadside recovery, and other accident-related benefits. Duration is 12 months from date shown in welcome email.
3. Broker/Commercial Cover Services: Services to brokers for vans and fleets including specialist vehicle rental, prestige vehicles, 4x4s, and commercial vehicles

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Auto Claims UK Ltd is a motor accident management services company that handles the full claims lifecycle for both fault and non-fault accidents, including replacement vehicles, personal injury claims, accident repairs coordination, legal assistance, and roadside recovery. It serves individual motorists via direct phone-based claims intake and a paid Crash Guard membership, and serves corporate fleets and insurance brokers through dedicated B2B fleet management and broker portal offerings, including white-label mobile app solutions. The company operates 24/7/365 from its Birmingham headquarters with a guaranteed 2-hour replacement vehicle service.

Product overview

Auto Claims UK Ltd operates as an accident management services provider offering a comprehensive suite of interconnected products. The core offering consists of Crash Guard Membership (accident protection program with legal cover, excess protection, and courtesy vehicles), the Crash Guard Mobile App (free smartphone application for accident documentation and claim submission), and a Broker Portal for insurance intermediaries. Additional services include Fleet Management for corporate clients, Replacement Vehicles with same-day delivery, Personal Injury Claims handling, Accident Repairs, Own Fault Repairs, Legal Assistance with no-win no-fee terms, Taxi Fleet services, and Non Fault Accidents management. The company has served major clients including Carillion as sole preferred supplier for accident management services.

Differentiator

Problem solved

Functional benefit

Brands

• Crash Guard: Accident membership program providing excess protection, replacement vehicles, legal cover, roadside recovery, and dash cam benefits. Available via mobile app on iOS and Android.
• Cash Guard

Products and services

• Crash Guard Membership Annual accident membership program for motorists providing excess protection up to £250, credit repair following non-fault accidents, legal cover up to £100,000, a guaranteed courtesy car for 30 days, no claims protection, like-for-like replacement vehicles, and a 24-hour accident helpline. The membership is sold on a 12-month subscription basis.
• Crash Guard Mobile App Free mobile application available on iOS and Android that helps motorists navigate accidents with step-by-step guidance. Enables users to call emergency services, record and email accident details automatically, capture images, track GPS accident location, record voice notes, tick areas of damage, and submit claims directly to Auto Claims.
• Broker Portal Online portal for insurance brokers to manage motor claims from notification through to settlement. Provides like-for-like replacement vehicles, claims progress monitoring, client reporting, and EDI billing capabilities, delivering a single point of contact for the entire claim lifecycle.
• Fleet Management Fleet accident management service for corporate clients providing a 24/7 call centre for first notification of loss, liability decisions, roadside recovery, replacement vehicles within a 2-hour guarantee, legal services, and white-labelled mobile app solutions. Includes electronic billing, KPI reporting, and the ability to turn fleet accident losses into a profit centre through cost recovery.
• Replacement Vehicles Motor vehicle replacement service providing access to over 20,000 vehicles across the UK, with 90% of clients receiving a replacement vehicle the same day. Covers personal cars, commercial vehicles, vans, fleets, prestige vehicles, 4x4s, and motorcycles. Serves customers in Coventry, Birmingham, the West Midlands, and across the wider UK.
• Personal Injury Claims Personal injury claim handling and solicitor referral service that assists motorists in recovering compensation for injuries sustained in non-fault accidents, including head injuries, whiplash, broken legs, and back injuries. Compensation ranges are quoted per injury severity.
• Accident Repairs Vehicle repair coordination service using independently approved accident repair centres with manufacturer approval. Repairs are carried out using the latest equipment by experienced bodywork engineers to ensure quality.
• Own Fault Repairs Vehicle repair service for at-fault accidents, offering motorists a choice of repairer independent from insurance company recommendations. Quality assurance is provided through approved repair centres.
• Legal Assistance In-house legal services for pursuing non-fault claims on a no-win no-fee basis, including liability determination, representation at court proceedings, and claim settlement negotiation. The in-house legal team works to prove liability and control costs.
• Taxi Fleet Specialist accident management service for hackney and private hire taxi operators providing temporary replacement taxis that are locally tested, licensed, metered, tariffed, and wired. Also covers loss of earnings compensation, personal injury claims, policy excess refund, and free legal advice to minimise taxi downtime.
• Non Fault Accidents Service End-to-end accident management for non-fault incidents spanning first notification of loss through to repair completion or salvage disposal. Includes credit hire, credit repair, like-for-like replacement vehicles, and proactive claims lifecycle management using Auto Claims' bespoke IT system to capture costs and minimise claims leakage.

Quantifiable outcome

• 90% of clients receive replacement vehicle same day
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Carillion PlccoreStrategic or Co-development Partner · 1 January 2008Sole preferred supplier of Accident Management Services in UK, Scotland & Ireland for 10 years. Auto Claims provided 24/7 call centre, replacement vehicles with 2-hour guarantee, white labelled Carillion One Road to Safety App, and electronic billing. Turned Carillion's accident claim losses into a large profit centre. Partnership ended when Carillion collapsed in 2018.
• Supreme ARC (Accident Repair Centre)coreChannel Partner/ Reseller/ DistributorPart of Auto Claims NRG (Network Repair Group). Provides accident repair services through Auto Claims network. Benefited from being part of the group, becoming more profitable.
• Brooksure InsuranceminorGTM or Marketing PartnerInsurance company partner promoting Crash Guard product to their customers for aftercare services.
• UK Network Repair Group (NRG)coreChannel Partner/ Reseller/ DistributorHand-picked specialist vehicle repairers forming Auto Claims' UK-wide repair network. Part of the NRG group that includes Supreme ARC.

Scale indicators8 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Davies Group: UK-headquartered claims solutions and insurance services provider offering motor claims handling, loss adjusting, and repair management — competes with Auto Claims for broker and insurer claims management mandates in the UK.
• QuestGates: Specialist UK claims management and loss adjusting firm serving insurers, brokers, and corporates across motor and other lines — overlapping with Auto Claims in motor claims lifecycle management and credit hire coordination.
• Accident Exchange Group: One of the largest UK accident management and credit hire companies providing replacement vehicles, claims handling, and legal services to insurers and individuals — directly comparable to Auto Claims' core offering across consumer and fleet segments.
• Helphire (formerly Helphire Group / AXA Assistance): UK-originated accident management and credit hire specialist later acquired by AXA Assistance; historically provided non-fault accident claims handling, replacement vehicles, and legal services — closely mirroring Auto Claims' business model and customer base.

Broad incumbents

• Copart UK: UK arm of global online vehicle auction and remarketing company, also providing total loss and salvage handling for insurers — broader incumbent in the post-accident vehicle lifecycle that overlaps with Auto Claims' total loss negotiation and replacement services.
• Sedgwick (UK): Global claims management, loss adjusting, and risk services firm with significant UK motor claims operations; broader incumbent competing for the same broker and insurer claims management workloads as Auto Claims.
• Crawford & Company (UK): Global claims management and adjusting firm with established UK operations handling motor and casualty claims for insurers — overlaps with Auto Claims' broker and insurer-facing claims management services.
• Markerstudy Group: UK motor insurance and claims services group operating broker, MGA, and claims management functions — broader incumbent with overlapping claims handling and broker distribution capabilities that intersect with Auto Claims' broker portal offering.

Emerging players

• Lyons Davidson Solicitors: UK law firm with a dedicated motor claims and credit hire practice offering legal representation on no-win no-fee terms — directly comparable to Auto Claims' in-house legal assistance service for non-fault accident claims.
• Slater and Gordon (UK): UK consumer law firm with substantial motor accident and personal injury claims practice — competes with Auto Claims' personal injury claims handling and legal assistance services for non-fault motorists.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/autoclaimsuk
• Facebookfacebook.com/autoclaims

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Auto Claims