Can I get my car repaired without it affecting my insurance


Absolutely – if you were not responsible for the accident we can get your car repaired back to its pre-accident condition and without you having to make a claim on your car insurance policy.


The disadvantages of making non-fault car insurance claims

Car insurance providers base the cost of your insurance on many factors, including your age, where you live etc. But one of the key factors in determining how much of a ‘risk’ you are – is how likely they think you are to have another accident.

Even if you were not at-fault for an accident and you make a claim, your insurer will almost certainly consider you to be at more of a risk of having another in the future. This is why the cost of your insurance is likely to increase.

In addition to this, you will probably have to pay your excess up-front, before they will authorise the repairs to your vehicle.

You should be able to claim this money back at a later date, but this is could be weeks or even months later when the claim is finally resolved with the at-fault party’s insurer.

Oh – and you will probably lose your no-claims discount for this year as well.


To avoid all this, let us resolve everything for you - not your insurer

We and our partners help thousands of people every year get the help that they need, but without a claim on their own insurance policies.

We are completely independent of all insurers, so our assistance does not affect your claim history.

In addition to arranging your vehicle repairs and a hire-vehicle, we can also provide you with legal assistance to deal with issues such as - the recovery accident expenses, lost earnings, travelling costs or personal injury claims.

We not only arrange your assistance, we also recover the costs and charges associated with accident directly from the insurer of the person at-fault.

We just take care of everything , so you can get on with your daily activities without the minimum of disruption.

The following services are provided for you: -

  • We will provide a like-for-like replacement hire-vehicle for you

  • Your replacement vehicle is delivered typically on the same day we accept your claim

  • Repairs are arranged at one of our network of approved accident repair centres or at a repair centre of your own choice

  • Your vehicle repairs are fully guaranteed and are carried out according to manufacturer specifications

  • Legal assistance can be arranged for issues relating to your accident including the recovery of expenses, lost earnings or claims for injury compensation

  • We and our partners recover the costs and charges directly from the at-fault driver’s insurer on your behalf

  • You receive expert help and advice from our 24/7 help line



To avoid a claim on your car insurance policy and get your car repaired, 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