Can I get my car repaired if I only have third party insurance?



If you only have Third Party insurance cover following an accident that was not your fault, we can help you get your vehicle repaired, provide a replacement vehicle and legal assistance. To find out how we can help with your accident claim, call 02392 484 244 and we will be happy to help.


About third party car insurance

Third Party car insurance may provide you with affordable cover for your vehicle, but even if you were not at-fault you may unfortunately still have to pay the excess on your policy before repairs to your vehicle can be started.

Our service enables you to get the assistance you need, then we and our partners recover the costs associated with your claim directly from the at-fault driver’s insurer on your behalf.

To take advantage of our service it will be helpful to collect as much information as possible about your accident. This information should ideally include:

  • The details of the other vehicles involved

  • The details of the drivers and who they are insured with

  • Photographs of the damage to your vehicle and the other vehicles at the accident scene

  • Details of any police officers that attended the scene

  • Details of any independent witnesses to the accident


Unfortunately if you caused the accident yourself, you will probably have to pay for your own vehicle repairs.


How we help following a non-fault accident

The benefits of our service include:

  • You should not need to claim on your own car insurance policy

  • No excess to pay

  • Your no-claims bonus should not be affected

  • Your vehicle is repaired at an approved accident repair centre of at a repairer of your own choice

  • we and our partners can provide you with a like-for-like replacement vehicle and deliver it to your home or place of work

  • Legal assistance is arranged for your accident related issues

  • 24/7 support and advice with your claim


If you are looking for assistance with your non-fault 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