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What do you get?
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How does it work?
Why do you get all our member services for free? How is this possible?

Where's the catch?

There is no catch. Unlike insurance companies, we don't depend on premiums for our revenue.

We make our money from within the insurance industry every time we provide you with services.

So we pass the savings on to you.

Why don't you have to pay your
insurance excess with us?

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Why don't you have to pay your insurance excess with us?

Why should you have to pay your insurance excess when an accident is someone else's fault?!

Costs can be recovered from the third party insurer, so there's no need for you to claim on your insurance. So your insurance excess payment is no longer required, saving you potentially hundreds of pounds.

You never pay anything for
our services - so who pays?

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You never pay anything for our services - so who pays?

In the event of an accident that isn't your fault where there is an identified and insured third party, we recover our costs from the third party insurer as part of the natural claim on the third party's insurance policy.

If the identified third party is not insured, in most cases we will be able to recover our costs from the Motor Insurers' Bureau (MIB).

How is our revenue from
third party insurers calculated?

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How is our revenue from third party insurers calculated?

Every like-for-like car we deliver is provided in accordance with the insurance industry's General Terms of Agreement (GTA).

Every make and model of car has an agreed daily hire rate. This rate is simply multiplied by the number of days you've had the replacement car. The third party insurer then pays this bill. For example:

• Our member's car: BMW 118
• GTA rate for a replacement BMW 118: £90.63
• Member's car takes 5 days to repair
• Third party insurer pays: £90.63 x 5 days = £453.15

What are we paid for?
How do we make our money?

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What are we paid for? How do we make our money?

We make our money by providing you with a like-for-like as-new replacement car.

In the event of a non-fault accident where there is an identified and insured third party, it is the third party insurer who pays for this, not you.

Legally, in the event of an accident that isn't your fault you have the right to be put back to the way you were prior to the accident. So if you were driving a large family MPV, you have the right to another such car, not just a little courtesy car that isn't suitable to your needs.
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Assist Protect Ltd.

Where the term 'cover' is used in this site, it is as an umbrella term denoting the benefits and services included in our membership package and not to denote a policy of insurance.

Assist Protect Ltd is a company limited by shares and the registered office is at Mercia Place, 2 Main Street, Repton, Derbyshire, United Kingdom, DE65 6EZ Company No. 7184256.

© Assist Protect Limited. All rights reserved.

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