Can I get car accident repairs without an insurance claim?




Yes absolutely! As long as you are not the person responsible for the accident that caused the damage to your car, then Car Call can provide an alternative to a claim on your insurance, that will actually save you money.

We and our partners help thousands of people each year get their vehicles recovered and repaired without having to make a car insurance claim.

Call us on 02392 484 244 and to find out more about our assistance today.

Our UK network of accident repair centres have been approved by us to carry out accident and crash repairs for our customers and so you can be confident that these repair centres will offer you an excellent service.


Is this better than an insurance claim?

Making a non-fault accident claim on your car insurance policy usually means you not only have to pay your excess up-front and claim it back later, but also your insurance is likely to increase when you renew it.

I understand how insurance works – but how does your service work?

It’s actually very simple. We arrange the assistance you need, and our partner solicitors recover the costs associated with your claim directly from the insurer of the at-fault driver. The benefits of our service are shown below: -


  • There is no claim on your own insurance policy, so your no-claims discount will not be affected, and neither will your policy renewal costs

  • No claim on your policy means no excess to pay

  • Our legal partners recover the cost of the assistance provided, directly from the at-fault drivers insurer on your behalf

  • We will arrange for a comparable replacement hire-car to be delivered to your home or place of work, typically within 3 hours (if your vehicle is un-drivable) of starting your independent assistance with us

  • Our partner solicitors can also look to recover out-of-pocket expenses or look to pursue a claim for injury compensation if you wish to



To find out more - call 02392 484 244 or use our contact form on this website.

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 comparable 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 comparable 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