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How does TMA work?

How does Total Motor Assist work?

TMA is not an insurance or breakdown policy. It sits alongside those and gives you more services than you would otherwise get, so long as you always call us first after an accident. TMA exists because you are legally entitled to call us first and not legally obliged to call your insurer first. Here's how it works:

1

Call our 24/7 Member Helpline first - not your insurer - when you've had an accident.

We will help you immediately, starting with free recovery if you need it.

2

You are not legally required to contact your insurer about the accident immediately, but within a 'reasonable time'.

That's the legal reason why you are perfectly entitled to call us first and get more services.

3

After you've called us, you should inform your insurer that you've been in an accident - but make it very clear to them that this is for 'information only' and that you don't wish to make an insurance claim.

This will make sure that your insurer doesn't settle with the other party's insurer without your knowledge or start the ball rolling with a claim on your insurance.

4

If you call your insurer first instead of us, it's almost impossible for us to help you after that, no matter how much we would like to.

Your insurer is unlikely to give you the same services that we will - for example, a courtesy car instead of the as-new like-for-like replacement car you'd get from us. Once your insurer has started their process, there's little we can then step in and do for you.

5

Our default approach is to do everything without claiming on your insurance policy.

That's almost always possible when there's an identified and insured third party who is at least partly at fault. Your insurer, by contrast, is geared towards making a claim on policy, which can significantly affect your no claims bonus and require you to pay your excess. As you know, it's so much better if you can avoid all of that cost and hassle.

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Assist Protect Ltd is regulated by the Data Protection Act 2018 and is registered with the Information Commissioner's Office, ref. Z2148051. Registered office: Mercia Place, 2 Main Street, Repton, Derbyshire, United Kingdom, DE65 6EZ. Company No. 7184256.

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