Best way to make a motor insurance claim



If you are considering making a motor claim on your insurance policy when the accident was not your fault, making a claim independently of your insurer may be a cost effective alternative to a claim on your own policy. To find out if we can help following your car accident, call us on 02392 484 244 and we will be happy to help.


To claim or not to claim on your car insurance policy?

If you have had a car accident you may assume that the only way to get your car repaired is to make a claim on your own car insurance policy.

If you have been involved in an accident that you were responsible for, it is likely that you will have to make a claim on your policy. This will enable the driver of the other vehicle to get their vehicle repaired and if you have Comprehensive insurance, get your own vehicle repaired too.

Should you only have Third Party insurance, the repairs to the other vehicle will be covered but you will have to pay for the repairs to your own vehicle yourself.

If the accident was caused by someone else, you have the option of either making a claim on your own policy or making a claim independently of your insurer.

Making a claim on your own policy in this instance means that you may have to initially pay any excess you have before your vehicle repairs will be started. Also your no-claims discount will almost certainly be affected by your claim.

Our Independent claims service enables you to get all the assistance you need to resolve your accident claim, but without having the disadvantages of a claim on your own car insurance policy.


How we help after a non-fault accident

We have helped thousands of people resolve their accident claims independently of their insurers.

Put simply, we provide all the assistance you need and recover the costs associated with your claim directly from the at-fault driver’s insurer on your behalf.

Our service includes:

  • A like-for-like replacement vehicle to use while yours is repaired

  • Your replacement vehicle will be delivered to your home or place of work

  • Repairs to your vehicle at one of our approved accident repair centres or at a garage of your own choice

  • All your repairs are fully guaranteed

  • Legal assistance is arranged for your accident related issues

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

  • It is not necessary to make a claim on your own insurance policy


For free advice and assistance with your accident claim, 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