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Motor Accident?

Can I claim my car insurance excess back if I am not at-fault?

You can and should get any excess you had to pay out, recovered from the at-fault driver’s insurer.

However, depending on the complexity of your claim, this can take anything from a couple of months to several months to be returned. We know of drivers sometimes having to wait over a year to get their excess back.

I’m not sure I can wait that long - do I have to claim on my car insurance?

It’s up to you. If your policy provides the legal cover and the assistance you require and you are not concerned about the effect your claim may have on your future insurance costs – you may choose to claim on you own insurance policy.

However using our alternative claims assistance allows you to get your vehicle repaired, a suitable replacement and legal assistance all without potentially losing your no-claims bonus and increasing the future cost of your car insurance.

Using our independent claims service has 3 main advantages: -

  • You get comprehensive accident assistance and without a claim on your own car insurance policy

  • You do not have to pay any excess at all

  • Your insurer should not increase the future cost of your insurance because you are not making a claim on your policy

So, if you haven’t started your car insurance claim yet, stop – and save yourself some money by calling us now on 02392 484 244.

Our accident assistance gives you an alternative to a claim on your own insuarance

Car Call UK and our partners help thousands of motorists every year without the disadvantages of a claim on their own car insurance.

Our service provides everything they need and because all costs and charges are recovered directly from the insurer of the person at-fault.

Basically we arrange your vehicle repairs and replacement hire-vehicle, but we also provide legal assistance with the recovery of accident expenses such as - lost earnings, travel costs, hire-vehicle costs or the cost of a compensation claim.

As we are completely independent of all insurers, the type of insurance cover you have make no difference to the services we provide.

All our customers are entitled to the following services: -

  • We will provide you with a like-for-like replacement hire-car

  • The replacement hire-car 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

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

  • Expert advice from our 24/7 help line

To find out more about our non-fault claims 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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