An alternative to a claim on your car insurance?


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.

If you were at-fault for an accident, we all know that the only way to resolve it is to make a claim on your car insurance policy. But did you know that if you are not at-fault, you can still get your car repaired and a replacement vehicle without a claim on your insurance?

We and our partners aim to provide the best possible accident assistance. When we are done, and you are happy with the result – we recover the costs directly from the insurer of the person responsible.

Remember, even if you are not at-fault you may still find yourself having to pay the excess on car insurance before your vehicle is repaired – and you could lose your no-claims bonus too.

To find out how our independent non-fault accident assistance compares to a claim on your policy, call 0330 058 1704 and we will be happy to help.

An advisor will take the details of your accident and if your vehicle is un-roadworthy, organise a like-for-like replacement vehicle to be delivered to a location convenient to you.

How long will that take? Typically your replacement vehicle is delivered within 3 hours of starting your claim.

Where is my car repaired? Your vehicle repairs are carried out at an approved accident repair centre that is local to you, or if you like - at an accident repair centre or garage of your own choice.

We and our partners will keep you informed about the progress of your claim and advise you on any other issues or concerns that you may have.

Legal advice and assistance is provided as part of our service. Our partner solicitors can assist with claims for lost income, expenses and also compensation for an injury if required.

To find out if we can assist you following your accident or if you just want some advice, simply call 0330 058 1704 and we will be happy to help in any way we can.

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