01
One handler, start to finish
No call-centre queues, no re-explaining your case. The person you speak with on day one is the person who closes your file.
Authorised & Regulated by the Financial Conduct AuthorityFRN 000000 · ICO ZA000000Case desk open · 24 h
§ 01 — Practice Notice
We handle the paperwork for your non-fault motor claim.
A certified UK practice managing the full administrative burden of recovery, repair, and a like-for-like replacement — end-to-end, handler-led, and on the record.
Est.2015 · United Kingdom
RegulatedFCA · Claims Management
Handled12,400+ non-fault files
Recovered£38m+ for our clients
Held to the professional standards of the FCA · Motor Ombudsman · ICO
Regulated & accountable
- FCA Regulated
- ICO Registered
- BVRLA Member
- Motor Ombudsman
- PAS 125 Repairers
- Trustpilot 4.9 / 5
Live · Files today
§File AC-2026-0418 · Non-fault rear-end, M60 · Replacement in 3h 40m§File AC-2026-0402 · PCO driver, Southwark · Back on the road same day§File AC-2026-0389 · Total loss settled · 14 days, market value +8%§File AC-2026-0371 · Uninsured loss recovered in full · £2,140§File AC-2026-0355 · Manufacturer-approved repair · Audi A4, Manchester§File AC-2026-0342 · Excess returned to client · £750, cleared§File AC-2026-0418 · Non-fault rear-end, M60 · Replacement in 3h 40m§File AC-2026-0402 · PCO driver, Southwark · Back on the road same day§File AC-2026-0389 · Total loss settled · 14 days, market value +8%§File AC-2026-0371 · Uninsured loss recovered in full · £2,140§File AC-2026-0355 · Manufacturer-approved repair · Audi A4, Manchester§File AC-2026-0342 · Excess returned to client · £750, cleared
"One call and the file opens. Everything else, we hold for you."
Plate 01 · After the incident
Three things it may help
to know about us.
The claims industry has earned a reputation for cold calls, hidden fees and sold-on data. We built Apex to be the opposite of all of that.
02
You never pay us
Where liability sits with the third party — as it does in every case we accept — our costs are recovered from their insurer. Not from you, not from your policy.
03
We won't chase you
No cold calls, no SMS spam, no data sold on. If you call us, we work for you. If you don't, we leave you alone.
§ 03 — The file
What we open on
your behalf.
Every accident becomes a single file, kept by a single case handler. Recovery, repair, hire, correspondence with the third-party insurer, engineer reports, medical referrals — all in one place, all in your name.
You are copied on nothing you don't need to see, and asked for nothing we already have. When it closes, you receive a short written summary. That is all.
Read the full protocol
Every part of it,
handled here.
We are a full-service motor claims practice. We do not subcontract the parts that matter.
All services- 0124/7 nationwide recovery from the scene
- 02Like-for-like replacement vehicle, delivered
- 03Manufacturer-approved repair, guaranteed
- 04Storage and total-loss valuation
- 05Excess and uninsured loss recovery
- 06Personal injury referral to regulated firms
- 07Direct liaison with the third-party insurer
- 08PCO / private-hire specialist handling
§ 05 — Protocol
How the file
moves.
Three phases. Plain English at each. You always know what has happened and what happens next.
Day zero
01
First call
One number, answered by a case handler. We open the file, arrange recovery and put a replacement vehicle in your hands — usually the same day.
Days one to fourteen
02
The work
Your car goes to an approved repairer. We deal with the third-party insurer, chase engineers, and keep you posted in plain English.
The close
03
Recovery & sign-off
Repairs signed off, replacement returned, excess recovered, injury claim (if any) placed with a regulated firm. File closed with a written summary.
The record,
in figures.
Twelve months of closed non-fault files, audited by our accountants. No selection, no vanity metrics.
£4,120
Average recovered per client, 2025
Excess, hire, uninsured losses combined
3.4 hrs
Median time to replacement vehicle
From first call to keys in hand
11 days
Median file-to-settlement
Non-fault, single third party
96%
Files closed without escalation
No court, no small-claims track
Period · 01 Jan 2025 – 31 Dec 2025 · Audited by Whitcombe & Co.
From files
recently closed.
"I called Apex from the hard shoulder. Recovery arrived inside the hour and a replacement car was on my drive by supper. I didn't have to speak to my insurer once.
Sarah T. · Manchester
File · AC-2024-1183
"Calm, exact, entirely without the usual hustle. They explained what would happen, and then that is precisely what happened.
James R. · Leeds
File · AC-2024-0921
"As a PCO driver being off the road is being unpaid. Apex kept me driving inside 24 hours and recovered my full excess. Straightforward, honest work.
Mo A. · London
File · AC-2024-1477
01.How much will this cost me?
Nothing. Where the accident was not your fault, our costs are recovered from the at-fault insurer.
02.Will this affect my no-claims bonus?
No. We deal with the third-party insurer directly, so no claim is placed against your policy.
03.How quickly do I get a replacement vehicle?
In most cases, the same day. Like-for-like — matched to the class and specification of your own car.
04.What if I've already spoken to my insurer?
Still call us. In most cases we can take the file over and manage it from there.
Nationwide,
answered locally.
A recovery vehicle is dispatched from the nearest of forty-two partner yards. Wherever the accident happened, someone we know is on their way inside the hour.
- 01LondonSE · E · N · W · SW
- 02ManchesterGreater Manchester
- 03BirminghamWest Midlands
- 04LeedsWest Yorkshire
- 05LiverpoolMerseyside
- 06GlasgowCentral Belt
- 07BristolSouth West
- 08NewcastleTyne & Wear
- 09SheffieldSouth Yorkshire
- 10NottinghamEast Midlands
- 11CardiffSouth Wales
- 12EdinburghLothian
· and the rest of the United Kingdom
§ 10 — Comparison
What changes when
you call us first.
A line-by-line comparison of the same non-fault claim, run through Apex against a standard insurer route.
ItemApex ClaimsTypical insurer route
01Who you speak to
ApexOne handler for the life of the file
TypicalA rotating call-centre queue
02What it costs you
ApexNothing — recovered from the at-fault insurer
TypicalExcess up front, premium up after
03Your no-claims bonus
ApexUntouched — no claim placed on your policy
TypicalPlaced at risk from day one
04Replacement vehicle
ApexLike-for-like, delivered — usually same day
TypicalCourtesy hatchback, if any
05How we contact you
ApexOnly when there is something to tell you
TypicalAutomated updates, cross-sold policies
§ 11 — Contact
Open a file
today.
A dedicated case handler will confirm receipt the same day. No fee, no obligation, no cold-call follow-up.