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Car Insurance Advice The benefits of independent non-fault claims


Anyone who has owned a car for any length of time will know how the cost of insuring their car can creep up if they make any accident claims.

There is not much you can do about the claims where you are at-fault, but if you are not at-fault, there is a simple way to avoid them going on to your insurance record – make your accident claim independently of your insurer.


Benefits of an independent non-fault car accident claim

Anyone who makes a non-fault accident claim their car insurance policy will almost certainly have to pay any excess before their vehicle repairs are authorised. In addition to this, the cost of your insurance is likely to increase as a result of your claim.

Making a claim independently of your insurer enables you to get the help that you need, but without having to claim on your policy or pay your excess.

Who pays for all this? Well, we and our partners recover the all the costs associated with your claim, directly from the at-fault driver's insurer on your behalf.

These are the services that are made available to you: -



  • A like-for-like replacement hire-vehicle

  • Your replacement vehicle is delivered typically within 3 hours of accepting your claim

  • We arrange for your damaged vehicle to be repaired at an approved accident repair centre or at a repairer you choose yourself

  • Legal assistance for issues such as lost earnings, expenses or claims for personal injury is provided as part of your claim

  • Our 24 hour help line is available for all your enquiries



If you would like us to assist with any non-fault accident, call 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 UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.
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