Car insurance - Make a claim?



If you are looking to make a non-fault accident claim, we and our partners can provide the all assistance you need without a costly claim on your car insurance policy. Call 02392 484 244 for independent expert advice.


Non-fault claims on your car insurance – can cost you money

We and our partners help thousands of people every year make non-fault road accident claims independently of their insurers.

If you are responsible for an accident, your insurer would normally have to deal with your accident claim on your behalf. They will arrange repairs to your vehicle (if you have comprehensive cover) and ensure the costs incurred by the third party are reimbursed

If the accident was caused by someone else's careless driving, you have the option of a claim on your insurance policy or you can make an accident claim independently of your insurer.

Making your non-fault accident claim independently with Car Call and our partners can have advantages over a claim on your own insurance policy.

If you make a non-fault claim on your car insurance policy, you will almost certainly be required to pay the excess on your policy. Also, your next insurance premium is likely to increase as a result of your claim.

We however, provide all the services you need to get you back on the road as quickly and efficiently as possible and recover the costs directly from the at-fault driver's insurer on your behalf – just like your insurer.

The difference is – you have no excess to pay and your no-claims bonus stays protected.


How our service works

The assistance provided by one car insurance policy can vary from one insurer to the next. But our non-fault claims service provides the same comprehensive set of services to our customers regardless of their insurer or their type of policy.

If we can help with your accident, you will be entitled to the following assistance: -

  • A like-for-like replacement for your vehicle if it is un-roadworthy or being repaired, typically within 3 hours of accepting your claim

  • The replacement vehicle is delivered to your home or place of work

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

  • All vehicle repairs are fully guaranteed

  • We can arrange legal assistance with accident related issues such as the recovery of un-insured losses or claims for injury compensation

  • 24/7 support with your accident claim



To find out how we can help with your 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