Car Insurance: Are you really going to make a non-fault claim on your insurance


There are very good reasons why thousands of motorists choose to make non-fault accident claims using accident management companies - rather than their insurers.

But just like car insurance companies, there are good ones and not so good ones – all we can say is, you may not find anyone complaining about us online!


Why many people avoid using their insurer for their non-fault accident claims

If you make a non-fault accident claim on your car insurance policy, you will almost certainly still have to pay your excess before your insurer will authorise the repair on your vehicle.

If you use our service, you can use that money for something else, because will have no excess to pay.

If you make a non-fault accident claim on your car insurance policy, your insurer will now consider you to be a higher risk driver and so the cost of your next insurance premium will probably go up.

If you use our service, you will not have to make a claim on your own policy at all, so your insurance costs will stay the same.


Are there any hidden costs or charges if I use your service?

As long as you and your vehicle are road legal, you are not at-fault and you are honest about all the information you provide – we can resolve all your accident related issues. That’s how We and our partners help thousands of drivers avoid non-fault claims on their own car insurance.

All the costs relating to your accident will be recovered by us from the insurer of the at-fault driver when your claim is complete and you are happy with your vehicle repairs.


What services do you provide?

Our service enables you to: -

  • Get your vehicle recovered and taken to an approved accident repair centre or a repair centre of your choice

  • Your vehicle is repaired according to your manufacturers specifications and the repairs are fully guaranteed

  • Be provided with a quality like-for-like replacement vehicle to use if yours is unroadworthy and/or being repaired

  • Legal assistance can be arranged for the recovery of expenses, damaged or lost personal items and claims for personal injury



To find out how we can help with your non-fault accident claim, 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