FMG is the UK’s leading provider of outsourced Fleet and Insurer solutions.
We act on behalf of some of the UK’s largest insurers and companies
including; Abacai, Allianz, AIG, Ayvens, AXA, Century Underwriting, Co-op,
Hadleigh, Hastings, NCP, Sheffield Insulation Group,and Zurich
Our team is here to support you and make the repair process as easy as possible.
With our UK wide network of trusted repairers, we’ll make sure your vehicle is fixed to a high standard
and keep you moving in the meantime. We’ll also help you get back on the road quickly with a replacement vehicle while yours is being repaired.
Why choose FMG?
- No excess to pay
- No effect on your no-claims discount
- A replacement vehicle at no cost to you
- A Trustpilot rating of "Excellent"
- Guaranteed repair work
- Genuine used parts
- Largest independently owned repair network
in the UK FMG Repair Services
- Over 300 independent repair partners
QWhy should I use FMG instead of my own insurer?+
- No excess to pay
- No effect on your no-claims discount
- A Trustpilot rating of “Excellent”
- Guaranteed repair work
- Genuine parts used
- Largest independently owned repair network in the UK – FMG Repair Services
- Over 300 independent partners
QI’ve already notified my own insurer; can I still use FMG? +
- Yes – just let them know that you no longer want to claim through your policy.
QMy insurer has already arranged a replacement vehicle, can I still use FMG? +
- If you weren’t at fault for an accident, your Insurer may offer you a hire car.
These cars are almost always ‘Credit hire’ vehicles and are provided by an outsourced company not the Insurer themselves.
Credit hire is when you’re given a replacement car on credit, but no money changes hands until the hire is over.
The credit hire provider then attempts to claim the costs back from the insurer of the fault party.
Many Credit Hire companies offer ‘like-for-like’ hire. However, you should look into what you’re actually being
offered and how much it’s going to cost. There is always a chance those charges could be disputed and get charged back to you.
The way credit hire works is that the company will provide you with a replacement vehicle and have you sign for it
as part of a formal credit agreement. A credit hire vehicle will cost considerably more than the rates that the fault insurer will be charged.
-
Once the hire is over, they’ll send an invoice of the daily charges, (starting at £35 per day) to the insurer of
whoever was at fault for the accident. There’s no guarantee that the at-fault insurer will accept liability and/or
the charges, in which case all the of the full costs can be charged to you as you signed the agreement.
This could be for several reasons i.e. repairs taking longer than they need to or the type and costs of the car provided.
-
The main risk with credit hire is that when you sign for the hire care on a credit basis, the costs are in your name.
As daily charges build up, you’ll be the one responsible for them until an insurer accepts liability and agrees to all the costs.
If it turns out that you’re at fault for the accident, or these costs are disputed by the other insurer, the credit hire
company will look to you to pay the charges.
-
If FMG arrange a replacement vehicle this will not be on a Credit Hire basis and none of these risks apply.
Please get in contact with us and we’ll arrange a risk free replacement vehicle. You can also contact the credit
hire company directly to cancel the hire.
QHow will a repairer assigned? +
- We’ll choose a repairer based on several factors such as your vehicle type, damage sustained and proximity to you.
- Depending on the damage your vehicle may be suitable for a one day mobile repair solution.
QCan I choose my own repairer? +
-
With over 300 repair partners located across the United Kingdom, many with manufacturer approvals,
we’re confident that we’ll be able to assign a suitable repairer.
Your preferred repairer may even be on our network.
-
If your preferred repairer isn’t on our network, we can still manage your claim
for you, however as we won’t have any contractual agreements,
we wouldn’t be able to assist should there be any issues with their repair work
QHow long will the repair take? +
-
Once an estimate has been carried out, our qualified in house engineers will authorise
the repair and you’ll be provided with an “Estimated Completion Date” (ECD).
The date is calculated based on the initial assessment but may change depending on the
complexity of the repair or if additional parts are required. If the ECD changes you’ll be
updated straight away.
QWhat sort of replacement vehicle will I be provided with? +
-
If your vehicle is less than 10 years old, we’ll provide you with a similar type
of vehicle to your own, however we cannot guarantee
exact make & models as this is dependent on hire company and repairer courtesy car availability.
QHow will I be kept up to date throughout the claim? +
-
We use a range of communication channels to keep you informed – depending on the
stage of the claim or if we require some further information from you,
we may contact you via telephone, text message, our app FMG Connect or email.
QWhat if my vehicle is written off? +
-
If the repair cost exceeds a set percentage of your vehicle’s pre-accident
value, your vehicle may be deemed a total loss as it becomes uneconomical
to repair, or there is a risk that additional damage may be found as the repair progresses.
-
We’ll place a valuation on your vehicle using industry recognised guides
such Glass’s, Black Book, CAP & Parkers and in line with The Financial Ombudsman guidelines.
We consider the mileage and condition of your vehicle and will provide you with a fair
and reasonable valuation in line with market guides.
-
Depending on the damage sustained and the salvage category, you may be able to
retain ownership of the vehicle. In this case, we’d deduct the vehicle’s salvage
value from your settlement figure.
-
We’ll require a copy of your V5 document to confirm you’re the registered keeper
and bank details to transfer payment to. This will typically be done within 5 days
from the date you provide these details but often sooner.
If your vehicle is on finance, we’ll require a letter from the finance company
confirming the settlement figure which we’ll pay directly to them.
QWhat happens next? +
-
Once you’ve accepted the use of our services, we’ll need to obtain some information
on the damage to your vehicle and its location.
-
If your vehicle is roadworthy, we’ll allocate a suitable repairer who will get
in contact with you directly to arrange for a mobile estimate to be completed.
-
If your vehicle is not roadworthy, we’ll arrange for it to be collected and an
estimate completed at the repairer.
-
Once the estimate has been completed, our in-house engineering team will
check the repair costs are reasonable and in line with industry standard repair methodology.
-
Our repairer will contact you directly to arrange a booking in date at a convenient time for you.
-
If you require a replacement vehicle this will be provided either by the repairer or one of
our hire providers. We’ll let you know the details once the replacement vehicle has been arranged.
QCan I claim for any other losses? +
- We may be able to assist – please get in touch and we’ll discuss your claim.
QWhat if I’m not happy with the service I’ve received? +
-
We take great pride in our customer service, however we understand that things may not always
go as smoothly as we’d like. In the unlikely event that you’re unhappy with any
aspect of our service, we’ll endeavor to resolve your issue as soon as we can.
If you’d like to raise a formal complaint, please email
CustomerExperience@fmg.co.uk
QHow can I get in contact?+
-
If you can’t find the answer to your question, please get in touch.
You can find our telephone number and email address on any correspondence
you’ve received - usually sent by text message, email, or post.
-
Our opening hours are:
o Monday – Friday 8:30am-8:00pm
o Saturday and Sunday 9:00am-5:00pm