Can I get my car repaired without making an insurance claim?



If you need to get your car repaired but are reluctant to make an insurance claim due to a high voluntary excess or perhaps you are worried about losing your no-claims bonus - we may be able to help. Call us on 02392 484 244 for free help and advice.

We and our partners help thousands of motorists every year by handling their claims independently of their insurers. Our service does not cost our customers anything because we and our partners recover the costs directly from the insurer of the at-fault driver on their behalf.

So I don’t have to claim on my car insurance?

No. Your insurer will be notified for information purposes only, so you will not have to pay the excess on your policy and your no-claims bonus will not be affected.

Can you arrange for my car to be repaired?

Yes. Your vehicles damage will be assessed by an independent automotive engineer and then the repairs will be carried out at one of our approved accident repair centres. If you prefer to use a repairing garage of your own choice, just let your advisor know and we can arrange this for you.

Will I get a decent replacement hire-car?

If your car is un-roadworthy we will arrange for a like-for-like replacement vehicle to be delivered to you, typically within 3 hours of starting your claim.

The majority of our replacement vehicles are less 6 months old and include a wide range of vehicles from cars to vans and commercial vehicles.

Can you help me with anything else?

Sometimes you may need the help of a solicitor to deal with any legal claims arising from the accident. These may include:

  • Expenses

  • Costs of damaged or lost property

  • Costs for vehicle storage

  • Compensation for injuries

If you need help with any of these issues the solicitors we work with will be happy to assist you as part of your claim.

If you would like some advice regarding your accident, 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