Car hire after a no-fault accident

We and our partners help thousands of drivers every year by dealing with their no-fault accident claims independently of their insurers. We and our partners organise everything you need including your replacement hire-car, repairs and legal assistance.

All costs associated with claim are then recovered on your behalf, directly from the insurer of the at-fault driver.

I don't make a claim on my car insurance policy?


We will report the accident to your insurer for 'Information purposes only' and then we handle everything else from there.

So, because you are not making a claim on your policy, you will not have to pay any excess and your no-claims bonus should stay the same.

Will I get a comparable replacement for my car?

It does not matter to us whether you have the best insurance cover in the world – or indeed the worst!

You will be provided with a comparable replacement hire vehicle that is of a similar type and engine size to your own.

Replacement vehicles are typically less than 6 months old and your replacement should be delivered within 3 hours of starting your accident claim.

We and our partners offer the same benefits to all our customers.

  • There is an alternative to a claim on your own insurance policy

  • There is no excess to pay

  • Your no-claims discount should remain protected

  • We provide a comparable replacement vehicle if yours is un-roadworthy and/or being repaired

  • Your replacement vehicle will be delivered to your home or place of work typically within 3 hours (if your vehicle is un-drivable) of accepting your claim

  • Your vehicle can be repaired at one of our approved accident repair centres or at an accident repair centre of your own choice

  • Repairs carried out on your vehicle are fully guaranteed

  • We arrange legal assistance with the recovery of travel expenses, lost earnings, damaged property or assistance with personal injury compensation claims

  • Free 24/7 help and advice with all aspects of your claim

If need a quality comparable replacement hire-car after a no-fault accident, or you would like us and our partners to manage your entire accident claim, 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 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 comparable 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 comparable 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