Avoid paying out car insurance excess and increases in the cost of your insurance


You don’t have to look too hard on the internet to find annoyed drivers who have had to pay the full excess on their car insurance even when they are not at-fault.

There will be many others who also find out that their next insurance premium mysteriously goes up after a no-fault claim too.

Unfortunately most insurance providers don’t make any distinction between fault claims and non-fault claims in these respects.

There is a way to avoid both of these costs however – make your accident claim independently of your insurer.


Not heard of our service? Then read on and save yourself some money!

We provide independent accident assistance to thousands of motorists every year – and not a single one would have had to pay their insurance excess or seen an increase in their insurance because of a non-fault insurance claim.


How do we do this?

Firstly, we will notify your insurer for ‘information purposes only’ – so they do not handle your non-fault claim.

Then we arrange the delivery of a like-for-like replacement for your unroadworthy vehicle, so you can stay mobile whilst we look after your repairs.

Your damaged vehicle is placed into an approved accident repair centre in your area. Also at this time, we can arrange assistance with any legal claims you may have for expenses or a claim for injury.

When your repairs are complete, you return your replacement vehicle and when you are happy with the repairs, your vehicle is returned.

All repairs are carried out according to your manufacturers specifications and are fully guaranteed.

We then recover the costs from the at-fault drivers insurer.


Our service at a glance

It does not matter what type of insurance cover you have, with our independent accident assistance, you are entitled to the services below.

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

  • The replacement vehicle is delivered typically on the same day you start your claim

  • Repairs are arranged at an 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

  • Costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

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



To start your independent claim today, 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