Terms of Business

Scottish Accident is the trading name of SA Group Scotland Ltd, a company registered in Scotland (Company No. SC520331). Our registered address is 36 Speirs Wharf, Glasgow, G4 9TG.

We are a Claims Management Company and are authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Firm registration number is 836473.

Scottish Accident pursues personal injury claims and financial loss recovery on behalf of our clients. Our services include:

• Investigating liability and establishing fault
• Collecting and preserving evidence relevant to your claim
• Arranging independent medical reports and assessments
• Negotiating settlements with insurers and third parties
• Coordinating with solicitors, repair garages, hire car providers, and other partners as required

Technology-Assisted Processing

Where you submit a claim by voice or video recording, we use AI technology to transcribe, translate, and extract key information from your recording. This helps us process claims faster and supports claimants who speak languages other than English. All AI-extracted information is reviewed by a member of our team before being used in your claim. Full details of how your data is processed are set out in our Privacy Policy.

To enable us to pursue your claim effectively, you must provide all requested information promptly and accurately. This includes personal details, accident information, medical records, and any other documentation relevant to your claim.

Delays in providing information may result in increased charges, missed deadlines, or adverse effects on the outcome of your claim.

Our normal business hours are 09:00 to 17:00, Monday to Friday, excluding public holidays.

We aim to respond to telephone enquiries on the same working day where possible. Written correspondence, including emails, will receive a response within 5 working days.

Any client funds we receive are held in FCA-compliant accounts at a clearing bank, separate from our business funds, in accordance with our regulatory obligations.

Settlement payments will be transferred to you via cheque or BACS (bank transfer), depending on your preference.

All information you provide to us will be treated as strictly confidential. We will not disclose your information to any third party without your authorisation, except where:

• Disclosure is necessary to progress your claim (e.g. to insurers, medical experts, or solicitors acting on your behalf)
• We are required to do so by law or regulation
• Disclosure is ordered by a court of competent jurisdiction

We are committed to providing a high-quality service. If you are dissatisfied with any aspect of our work, please raise the matter in the first instance with your case handler or their supervisor.

If your complaint is not resolved to your satisfaction, you may escalate it to:

If you remain dissatisfied after our internal complaints process, you may refer your complaint to the Financial Ombudsman Service:

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to cancel this agreement within 14 calendar days from the date you enter into it, without giving any reason.

If you have requested that we begin work on your claim before the cancellation period expires, you may still cancel within the 14-day period. However, you may be required to pay for any work already carried out up to the point of cancellation.

We take the protection of your personal data seriously. Your data is processed in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

We process your data for the purpose of managing your claim, communicating with relevant parties on your behalf, and meeting our FCA regulatory obligations. Where we use technology partners to deliver our services, appropriate data processing agreements and international transfer safeguards are in place.

You have the right to access, rectify, or request deletion of your personal data at any time. For full details of what data we collect, how we use it, who we share it with, and your rights, please refer to our Privacy Policy and Data Protection Policy.

We recognise that following an accident, you may be dealing with injury, stress, or other difficult circumstances. We are committed to treating all clients fairly and providing additional support where needed.

If you have any condition, disability, or circumstance that may affect how you communicate with us or understand our services, please let us know. We can offer:

• More time to make decisions about your claim
• Communications in your preferred language (we support 20 languages)
• Alternative formats or communication methods
• A dedicated point of contact throughout your claim

You can contact us at any time on 0141 258 2030 or kenny@scottishaccident.co.uk to discuss any additional support you may need.

By you: You may instruct us to cease work on your claim at any time by providing written notice. You will remain liable for any fees and outlays incurred up to the date of termination.

By us: We reserve the right to cease acting on your behalf by providing you with written notice. We will give you reasonable notice and explain our reasons, except where we are prevented from doing so by law.