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Motor Accident?

4 reasons why you should avoid no-fault car insurance claims


Thousands of people every year choose not to make no-fault on their car insurance policies.

This is because it not only costs them money to resolve the accident using their insurer, but they may also have unnecessary limitations on the assistance that they can receive.

The disadvantages of a no-fault car insurance claim: -

  • You will probably have to pay your excess before your vehicle can be repaired

  • The cost of your insurance is likely to increase as a result of your non-fault claim

  • You may not be entitled to a guaranteed like-for-like replacement hire-car

  • You may not to be free to choose who repairs your vehicle




Do I have any choice - who else can repair my car?

If you were not responsible for the accident and you need your vehicle repaired, you can choose between a claim on your car insurance policy or you can make an independent accident claim using our non-fault claims service.

We independently help thousands of motorists every year get the assistance they need without any of the disadvantages of a claim on their own car insurance.

Not only will you probably save money by using our service, the assistance we provide to our customers is often better than that offered by their own insurer.

You will get your vehicle repaired at one of our network of approved Accident Repair Centres. We will also deliver a like-for-like replacement hire vehicle to you if yours is unroadworthy, so you have a quality vehicle to use instead of an old garage ‘courtesy’ car.

The solicitors we work with can also help you recover the costs of any uninsured losses. These could include the recovery accident expenses, lost earnings, travel costs, hire-vehicle costs or personal injury claim costs.

All costs and charges are recovered directly from the insurer of the person at-fault for the accident.

It does not matter what type of insurance cover you may have on your vehicle, we act independently of your insurer, so all our customers are entitled to the following services: -

  • We will provide a like-for-like replacement for your damaged vehicle

  • Your replacement vehicle is delivered typically within 3 hours of accepting your claim

  • Your vehicle repairs are arranged at one of our approved accident repair centres or at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed and are carried out according to manufacturer specifications

  • Legal assistance is arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation

  • Costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • Help and advice from our 24/7 help line



To get immediate assistance and advice on any accident claim, call us on 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.
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