Alternatives to a non-fault car insurance claim?


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

Unfortunately, a claim on your policy - is a claim on your policy, regardless of whether you were at-fault for the accident or not. So, unless you pay extra to have a protected no-claims bonus, you may lose this benefit on any type of accident claim.

Do you have an excess? Well if you are not at-fault for the accident, you will almost certainly still have to pay your excess too. Yes, you should get the money back eventually – but that could take some time.

Did you know that your insurer will also consider you as ‘at more risk’ of having another accident - even if you were not in any way responsible for it? In real terms, this is likely to mean the cost of your insurance next time – will go up.


What alternatives are there?

For thousands of people every year – there is an alternative.

We and our partners provide accident assistance independently of all insurers.

This means that we deal directly with the insurer of the person at-fault for the accident so you do not have to make a claim on your own insurance policy.

Your own insurer is notified for ‘information purposes only’, but other than that – they play no part in the resolution of your accident claim.

The cost of your assistance is recovered directly from the at-fault drivers insurer on your behalf.


How our service works

Basically, we and our partners take care of everything for you.

We are not restricted by the terms of your insurance policy, so it enables us to give you the best possible assistance and get you back on the road as soon as possible.

The benefits of our service:

  • You do not have to claim on your own insurance policy

  • You have no excess to pay

  • The no-claims bonus is not affected

  • You receive a like-for-like replacement hire-car to use for the duration of the repairs to your vehicle

  • The damage to your vehicle is assessed by an independent automotive engineer

  • If your vehicle is deemed to be a total loss or ‘write off’, you can use your replacement vehicle for up to 7 days after you receive your total-loss settlement cheque

  • We can deliver your replacement vehicle to your home or place of work typically within 3 hours of accepting your claim

  • Your vehicle is repaired at one of our network of approved accident repair centres or at repair centre of your own choice

  • The repairs to your vehicle are fully guaranteed

  • Legal assistance is provided by our partner solicitors for the recovery of expenses, lost earnings and claims for personal injuries

  • Cost are recovered directly from the insurance provider of the person responsible

  • Help and advice is available at all times from our friendly UK based claims team



To find out how our service compares to a claim on your policy, 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 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