About your car insurance after an accident where you are not at-fault


Many motorists still believe that a claim on their car insurance is the best way - and in fact - the only way to get their vehicles returned to their pre-accident condition after an accident that was not their fault.

They are actually wrong on both counts.


The problem with non-fault car insurance claims

A claim on your car insurance policy is likely to make the cost of your car insurance go up, whether it is a fault or a non-fault claim.

In addition to this, you will almost certainly have to pay your excess as well before your vehicle is repaired and then wait weeks to claim it back.

We don’t believe this is good service – and nor do the thousands of drivers that choose to use us - instead of their insurer every year.


Get the help you need – without the disadvantages of an insurance claim

Here at Car Call we and our partners provide independent non-fault claims assistance.

All you have to do is make one phone call to us and we can arrange for your car to be repaired by one of our approved repair centres. We will then arrange for you to have a quality like-for-like replacement hire car delivered to your door.

You do not have to make a claim on your insurance because we and our partners recover your costs and expenses from the at-fault drivers insurer on your behalf.

Our experienced team of claims advisors will deal with everything for you, keeping you informed at every stage of the process so you can just get on with your life, safe in the knowledge that your damaged car will be returned good-as-new.

If you have had a car accident that was not your fault, give us a call 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 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