Claim value calculator
What's your non-fault claim actually worth?
Six questions. Sixty seconds. A banded estimate covering vehicle damage, like-for-like hire, lost earnings and personal injury — and what you'd give up by claiming on your own policy.
- Six questions
- Sixty seconds
- No card details
- Emailed breakdown
Question 1 of 6
Is your vehicle drivable right now?
If it's not drivable, your settlement is usually much higher — and we cover recovery + replacement at no cost to you.
01
How we estimate
Vehicle damage uses typical repair / write-off bands by value. Hire car uses real FCA-authorised credit-hire daily rates. Personal injury follows the latest Judicial College Guidelines.
02
Why your insurer pays you less
Your own policy pays you the agreed value of your car minus the excess. It will not pay you a like-for-like replacement vehicle for the duration of your repair, lost earnings, or your personal-injury entitlement.
03
What we recover
A regulated solicitor instructed via Octane pursues the full value from the at-fault driver's insurer — so you keep your no-claims, your excess, and your time.
Already had an accident?
Skip the calculator and start the actual claim — same-day callback, like-for-like vehicle, no cost to you.