What Is FNOL (First Notification of Loss)?

FNOL, or First Notification of Loss, is the official moment you report a car accident or damage to your insurer or accident management company. It’s the first and most crucial step in getting your claim processed and your vehicle recovered, repaired, or replaced.

Why Filing FNOL Quickly Is Critical

Filing FNOL as soon as possible helps you:

• Secure a like-for-like replacement vehicle faster
  
• Prevent delays in vehicle recovery and repairs
  
• Protect your legal rights and ensure a smooth claim process
  
• Start uninsured loss recovery (ULR) immediately

Nova Motor Assist provides a 24/7 FNOL service that takes away the stress and confusion. One call is all it takes — and we’ll do the rest.

Step-by-Step: How to File FNOL with Nova Motor Assist

Step 1: Call Our 24/7 FNOL Helpline

As soon as you’re safe, contact our claims team at [Insert Phone Number]. We operate 24 hours a day, 365 days a year.

“We prioritise non-fault drivers, taxi operators, and fleet managers. Our multilingual team makes sure nothing is lost in translation.”

Step 2: Provide Key Accident Details

We’ll ask for basic information to get started:

• Time and date of the accident
  
• Location of the incident
  
• Vehicle registration numbers (yours and the other party’s)
  
• Description of what happened
  
• Police or witness information (if any)
  
• Photos of damage (optional but helpful)

Step 3: Vehicle Recovery Is Arranged

Once we verify the incident, we’ll dispatch a recovery team to collect your vehicle, whether it’s at the roadside, at home, or with a third party.

This is where Nova’s FNOL system outperforms insurers — we act immediately, not in days.

Step 4: Get a Like-for-Like Replacement Vehicle

If you’re a non-fault driver, we’ll deliver a credit hire vehicle (same size and spec as yours) — usually within 24 hours.

“Whether you drive a family car, a PCO-registered vehicle, or manage a fleet, we’ll match your needs precisely.”

Step 5: Let Us Handle the Rest

Nova Motor Assist manages:

• Your claim paperwork
  
• Vehicle repairs with approved garages
  
• Uninsured Loss Recovery (ULR) including personal items and excess
  
• Communication with the third-party insurer

No chasing, no jargon — we keep you updated every step of the way.

🔍 What Happens If You Delay FNOL?

Delaying FNOL can:

• Affect your ability to get a replacement car quickly
  
• Cause gaps in evidence or conflicting statements
  
• Lead to increased liability or denial of claim
  

That’s why we offer 24/7 FNOL services — to protect your rights from the moment an accident happens.

🙋‍♀️ FAQs – FNOL in the UK

What is FNOL in insurance terms?

FNOL (First Notification of Loss) is the first report of an incident made to a claims handler, insurer, or accident management company.

Can I file FNOL online?

Yes. At Nova Motor Assist, you can also submit FNOL through our online form, and we’ll call you back in minutes.

Is FNOL free for non-fault drivers?

Yes, you pay nothing upfront if the accident wasn’t your fault. We recover costs from the third-party insurer.

Do I still need to tell my insurer?

No. We’ll handle the insurance side for you – including correspondence, recovery, and documentation.

📞 Need to Report FNOL Now?

Call Nova Motor Assist 24/7: 0333 041 5050
We’ll recover your vehicle, deliver a like-for-like hire car, and manage everything – so you don’t have to.