Accident Recovery and Repairs with no Insurance Claim?


If you are not responsible for the accident and you make a car insurance claim on your policy - it is likely to end up costing you money. Car Call and our partners helps thousands of motorists make claims independently of their insurers every year.

Call us now on 02392 484 244 and we will arrange for your vehicle to be recovered and repaired – with all costs being paid by the at-fault drivers insurer.


Why not use my car insurance policy?

You will almost certainly be required to pay the excess on your car insurance policy even if you were the innocent party in a road traffic accident. This amount should be reimbursed to you at a later date – but why pay this in the first place when you don’t have to?

Another effect of a non-fault claim on your policy is of course that your premium is likely to increase. The reason insurers do this is because they will now consider you to be a higher risk to insure because of this claim.


Why our service is different

At Car Call we and our partners help thousands of people every year with their road accident claims.

We and our partners organise all the assistance you need and manage everything for you, until your vehicle is repaired and returned to its pre-accident condition.

When you are happy with the quality of the repairs, we will approach the insurer of the at-fault driver and recover these costs from them as you are entitled to by the law.


You will receive a replacement hire-vehicle


  • This will be a like-for-like replacement for your own vehicle if yours is off the road and/or being repaired

  • It is delivered typically within 3 hours of starting your claim

  • We can supply a wide variety of vehicles

  • Most of the vehicles we provide are less than 6 months old



Your vehicle is recovered and repaired to its pre-accident condition


  • Your vehicle is recovered from the accident scene

  • Repairs are carried out at an approved accident repair centre

  • Repairs can alternatively be arranged at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed



We can arrange legal assistance if you need it


  • Vehicle Recovery charges

  • Uninsured losses - Damaged possessions etc.

  • Out of pocket expenses – Travelling expenses etc.

  • Loss of income – if you are off work

  • A personal injury – compensation and treatment costs


Give us a call on 02392 484 244 and a UK based advisor will be happy to help with your claim.

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