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Non-fault accident specialists · No cost to you
PCO accident claims

Crashed in your PCO car? Back on the road, plated and earning.

For a private hire driver, the accident is only half the problem — the real damage is every day you can’t work. If the crash wasn’t your fault, we get you into a licensed replacement fast and claim the costs from the at-fault insurer.

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A licensed London private hire vehicle with TfL roundel and PH plate
What you get

A replacement that can actually work

Any accident management company can put you in a car. Almost none can put you in one that’s legal to take fares in. We can.

1

Licensed PHV, ready to go

A replacement that’s plated, licensed for private hire and insured for hire & reward — supplied through our specialist partners and delivered fast, often the same day you call.

2

Meets operator requirements

Clean, compliant vehicles that satisfy the requirements of the major private hire operators, so you carry on taking jobs without missing a beat.

3

Lost earnings pursued

If you were off the road and out of pocket before your replacement arrived, we pursue those losses from the at-fault insurer as part of your claim — along with recovery, storage and repairs.

Why speed matters

Call us before your insurer — especially in this trade

Go through your own insurer and you’ll wait days for a courtesy car you can’t legally work in, pay your excess, and risk your no-claims bonus on a hire & reward policy that’s already expensive. Call us first and the claim goes where it belongs: to the at-fault driver’s insurer, while you stay earning.

Make us your first call
PCO driver questions

Straight answers for working drivers

Is the replacement really licensed for private hire?

Yes. PCO-ready replacements are supplied through specialist hire partners whose vehicles are plated, licensed and insured for hire & reward. Tell us you’re a private hire driver the moment you call so we arrange the right vehicle first time.

How fast can I be working again?

Often the same day, depending on your location and the time you call. Speed is the whole point — every day you wait is money gone, which is also exactly why those losses form part of your claim.

Beacon, the BKN Claims mascot
Beacon’s tip: Screenshot your last few weeks of app earnings before you call — it makes your loss-of-earnings claim quick to evidence.
What does it cost me?

Nothing, when the accident wasn’t your fault. The hire, recovery, storage and repair costs are claimed from the at-fault driver’s insurer. You pay no excess and your own policy isn’t touched.

My PCO car’s been written off — what now?

You stay in the licensed replacement while we sort the settlement, and our buy-back option can top the figure up to your car’s full pre-accident value — useful when the next plated car has to come out of that money.

Just had an accident?
Call us before your insurer.

Two minutes on the phone now can save your excess, your no-claims bonus and weeks of hassle.

📞 Call 0800 000 0000
📞 Tap to call — 0800 000 0000