Car Claim on a Saga car insurance policy?


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

Should you be unfortunate enough to have an accident and are looking to make a claim on your Saga Car Insurance, you may automatically get in touch with your insurer.

Some people however are not aware that there are alternatives to a claim on your policy if you were not responsible for the accident.

Thousands of motorists every year choose to use our alternative independent claims assistance service instead of a claim on their car insurance. It enables them to get their cars repaired, but without potentially losing their no-claims bonus or having to pay their excess.

To find out how the benefits of our alternative accident assistance compares to a claim on any car insurance policy, call now on 0330 058 1704 and we will be happy to help.

Our service is only available to people who are not at-fault for an accident. If you were - it is likely that you will need to make a claim on your own car insurance policy.


What we do for our customers

We and our partners provide the assistance you would expect from any fully featured car insurance policy. This includes:

  • A temporary replacement hire-car to use whilst your car is repaired

  • Your car is repaired back to its pre-accident condition

  • Legal assistance with accident related issues



We and our partners can provide these services and recover the costs directly from the at-fault driver’s insurer on your behalf.

Because you are not making a claim on your own insurance, you will have no excess to pay, your no claims discount should not be affected and nor should the cost of your next insurance premium.

Your insurer is notified of the accident ‘for information purposes only’ – so a claim is not made on your car insurance.

The key features of our service are:

  • We and our partners provide a like-for-like replacement hire-car for you to use during the repair

  • Your replacement vehicle can be delivered to your home or place of work

  • There is no claim on your own insurance policy

  • You have no excess to pay

  • Your future insurance premiums should not be affected by your accident

  • Repairs are arranged at an approved accident repair centre for you

  • The solicitors we work with can provide legal assistance with any accident related issues



To find out how we can help you, call 0330 058 1704 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