Motor claims, garages and assistance

Version 2 gives motor the same depth: structured vehicles, a lookup, no-claims discount, cover types, certificates, garages and repair estimates, total losses, roadside assistance and telematics.

Vehicles

A vehicle on a quote has a make and model (from Policies > Vehicle reference, shared list plus your own), model year, body type, plate, chassis and engine numbers, colour, seats, usage, value and claim-free years. Choosing a model fills the body type and suggests the value. The magnifier next to the plate looks the vehicle up: today among the vehicles you already insured, by plate or chassis number; a national registry can be plugged in behind the same button.

The no-claims discount follows each vehicle: the product's scale (for example 10% after one claim-free year, 20% after two) gives the discount at quote time; at renewal a vehicle without a claim earns a year, a claim takes it back to zero.

The product's motor cover (third-party liability, third party fire and theft, comprehensive) prints on the schedule and on the motor certificate: one per vehicle, from the policy's Vehicles tab, with a QR code that leads to the live certificate check.

Garages and repair estimates

A garage is a provider of type garage: agency or non-agency, with agreed labour and paint rates and the makes it is authorised for.

On a motor claim, the Repair estimates tab receives the garage's estimate: parts (with part numbers), labour and paint lines (hours and rate), other costs and the garage discount. Review and decide shows the checks (rates above the agreed ones, make not authorised, repair cost against the vehicle value, number of supplementary estimates), lets you leave lines out, and approves the estimate, through the Claims: approve a repair estimate chain if you have one. The claim's reserve follows the approved repairs; Approve settlement suggests them as the amount.

A supplementary estimate for damage found during the repair is added and approved the same way.

Total loss

Settle as total loss on a motor claim takes the market value, the salvage value and who keeps the salvage, and the deductible, and shows the settlement: market value, less the salvage if the customer keeps it, less the deductible. The claim is approved for that amount, the vehicle leaves the policy on the loss date, pending estimates are set aside, and a policy with no vehicle left is cancelled with the premium fully earned. It can run through the Claims: settle a total loss chain.

Roadside assistance

Claims > Roadside assistance logs a call from the roadside: policy, vehicle, what is needed (towing, battery, flat tyre, fuel, lockout, accident), where, and the number to call back. Dispatch it to an assistance provider, Mark completed with its cost. The claims team is notified of every new request.

Telematics

On a vehicle (policy Vehicles tab, Import telematics data), upload a device export: time, odometer, speed, position and driving events. The vehicle keeps the device ID, the last odometer reading and the number of events, ready for a live device feed in a later version.