RAC Legal & Motor Claims

RAC First Notification of Loss (FNOL)

RAC currently provides FNOL services to insurance companies and brokers, such as NFU Mutual, esure and Zurich. Our trusted brand will give Towergate Insurance the confidence that your customers will be looked after 24/7/365 by RAC. Our team of named individuals will be familiar with your particular processes, and will provide day-to-day continuity. Our FNOL processes have embedded dedicated call numbers, dynamic and priority routing, email reporting and instant crash detection notification. Once one of your customers has reported an incident, an FNOL report will be sent in real-time to various recipients, including our in-house ULR team, in line with Towergate’s requirements for fast and responsive action to be taken. We also support some insurers and customers with other actions such as instructing contact for Towergate and your customers to ensure service

Our state of the art system is configurable by RAC and has allowed us to meet the needs of our customers and use different ‘scripts’ across a range of sectors. RAC’s successful FNOL levels are the result of the following factors: › › 365 / 24 / 7 availability to ensure continuity and no handover to other out of hours providers. › › A comprehensive FNOL process. RAC’s FNOL process takes 11 minutes on average and, unlike other providers, captures the key information on the first call. › › Successful marketing with the use of bump cards for some customers and Towergate’s HGV LEI drivers leaflets (pictured opposite). › › Successful fraud detection with early fraud indicators identified by our system. › › Reducing FNOL time by using mapping technology, and viewing the incident location in ‘street view’. This captures factors such as lane discipline and right of way and can assist with claim disputes.

MOTOR LEGAL SERVICES & ADVICE

HAD AN ACCIDENT? Get legal advice and support from RAC Legal Services

Your Towergate Motor Legal Expenses policy gives you/your driver and the passengers in your vehicle support and advice provided by RAC Legal Services. Help and assistance after an accident which wasn’t your fault Personal injuryassistance RACcanhelp if you/yourdriveror yourpassengerssufferan injury.We’llprovideaspecialist personal injurysolicitor tosupportwith theclaim,and theprovisionofmedicalhelp,suchas physiotherapy,scansandconsultantappointments. RACdonotcharge for thisservice,ormakeadeduction from thecompensation.Thecostof the solicitor iscoveredby yourTowergatepolicy. Help torecoveryouroutofpocketexpenses RACalsoofferssupport for youand yourpassengers inhelping to recover losses in theeventof: • Policyexcess, thehireofanalternative vehicleor the lossofuseof your vehicle • Lossordamage to toolsof tradeorpersonalpossessions • Lossofearnings if you’reunable towork togetherwithotheroutofpocketexpenses,suchas additional travelcosts Motor legal advice Youand yourpassengersalsohaveaccess toRAC’s24/7MotoringLegalAdvice line.Weprovide adviceonawide rangeofmotoring issues frombuyingandsellinga vehicle through toadviceon motoringoffences. Up to £10,000 to help you defend a motoring prosecution Wecanprovide youwithadvice if you’re taken tocourt foracriminalmotoringoffence,suchas carelessdriving,andprovide youwithaspecialistsolicitorwherewe feel thereare reasonable prospectsofsuccessfullydefending theprosecution. Up to £10,000 to help you claim for damages regarding contract disputes for • Thepurchase,sale,orhireofamotor vehicle • Theservice, repairor testingofamotor vehicleor • Thecarriageofgoodsorpassengersbyamotor vehicle Ifyouwereat fault,wecanstillofferall theseservices toyourpassengers

Talk to us today Call 0330 159 0450

insurers’ approved repairers, instigating their third party

intervention services or, if preferred, offering RAC’s own repair and third party intervention services.

Talk to us today Call: 0330 159 0450

Full termsandconditionscanbe found in theTowergateMotorLegalExpensesPolicy (MLE1).03numbersarechargedatnationalcall ratesand included in inclusiveminuteplans from landlinesandmobiles.Callsmaybemonitoredand/or recorded. RAC InsuranceLtd (RegisteredOffice:RACHouse,BrockhurstCrescent,WalsallWS54AW.RegisteredNo.2355834)acting throughRACLegalServicesof GreatParkRoad,BradleyStoke,BristolBS324QN.RACLegalServices isadivisionofRACMotoringServices (RegisteredOffice:RACHouse,Brockhurst Crescent,WalsallWS54AW.RegisteredNo.01424399).RACMotoringServices isauthorisedand regulatedby theFinancialConductAuthority in respectof insurancemediationactivities.RAC InsuranceLtd isauthorisedby thePrudentialRegulationAuthorityand regulatedby theFinancialConductAuthorityand thePrudentialRegulationAuthority. Towergate isa tradingnameofTowergateUnderwritingGroupLimited.RegisteredAddress:TowergateHouse,EclipsePark,SittingbourneRoad,Maidstone, KentME143EN.Registered inEnglandNo.4043759.Authorisedand regulatedby theFinancialConductAuthority. I.FLTWSINS.XTR.PC.1016074142-1