About no-fault car insurance claims


A no-fault car insurance claim will almost certainly result in the no-fault driver having to pay their insurance policy excess when the cost of repairs have to be met.

You should be able to recover these costs at a later date from the at-fault driver’s insurer, but the process of recovering them can take weeks or even months to be completed.

The other pitfall of any insurance claim is of course the fact that you have added another claim to your insurance record, so the cost of your insurance is likely to increase.

There is there is an alternative to making a no-fault car insurance claim that avoids these problems completely. Car Call and our partners are independent non-fault claims specialists who can help you resolve your vehicle repairs – without a claim on your car insurance policy.


We and our partners help thousands of drivers every year

From the moment you contact us we will make arrangements for your vehicle to be repaired at one of our network of approved accident repair centres and organise an appropriate like-for-like replacement vehicle for you to drive while the repairs are being carried out. We can even use a garage of your choice if you prefer.

We and our partners recover the costs associated with your vehicle recovery, your repairs, your car hire and even your legal expenses - directly from the insurer of the at-fault driver on your behalf.

You will receive regular updates on the progress of your non-fault claim from our experienced claims team and they can even provide helpful advice on any other issues relating to your road accident.

You can just sit back, relax and let us handle everything for you.

If you have had a non-fault car accident or motorcycle accident please call us now on 02392 484 244 for free help and advice.

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 and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury