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Motor Accident?

Accident that was not my fault, does it affect NCB?


A non-fault accident claim on your insurance will almost certainly mean you will lose your annual no-claims bonus or ‘NCB’.

If you are involved in an accident that is not your fault, it can end up costing you money when it really should not cost you anything at all.

Not only will a no-fault claim on your insurance affect your NCB, it will almost certainly mean your insurance premium will increase. In addition to this, you will probably have to pay your excess too before your car is repaired and then recover the money later from the insurer of the person responsible.

Fortunately thousands of drivers every year have wised up to this - by using our independent accident assistance instead of a claim on their own car insurance.


Can I get my car repaired without it affecting my insurance?

We and our partners help thousands of motorists every year get the assistance they need following non-fault accidents, but without the need for an insurance claim.

Our customers choose our service because it avoids another claim on their insurance record, so their no-claims bonus should not be affected. Because you are not making a claim on your policy you also have no excess to pay and no effect on your next insurance premium.

So who pays for everything? All costs and charges are recovered directly from the insurer of the person at-fault on your behalf.

It doesn’t matter what type of cover you have on your own car insurance policy, because we act independently for you.

The following services are available: -

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

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

  • 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

  • All costs are recovered directly from the at-fault driver’s insurer on your behalf

  • Impartial help and advice from our 24/7 help line



To find out more about our service, 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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