Car insurance claim. I want to choose who repairs my car


If you have been involved in a road traffic collision and you make a claim on your insurance policy – your insurer is likely to recommend that your vehicle is repaired at one of their approved repairers. This is because they agree favourable repair rates with certain repairers in exchange for providing them with a certain volume of business every year.

If as their customer, you ask to use your preferred repairer and this is not on their ‘approved’ list – they may charge you extra for allowing this.

However, if you were not at-fault for the accident, you also have the option of making an accident claim independently of your insurer, which enables you to choose exactly who you want to repair your vehicle at no extra cost

In-fact, our comprehensive non-fault claims service enables you to have all your accident issues resolved without the disadvantages of a claim on your car insurance policy.


The clear benefits of our service

Car Call and our partners help thousands of people every year get quality repairs carried out on their cars if they have been involved in non-fault road accidents.

Many people do not realise that there is actually an alternative to using own insurer to deal with the many issues surrounding a non-fault accident claim.

Allowing Car Call to manage your claim means that the services available to you are not restricted by the terms of your car insurance policy.

To us the benefits are clear: -

  • There is an alternative to a claim on your own insurance policy, so your no-claims bonus remains intact

  • No claim on your policy means no excess to pay

  • We and our partners recover the costs back from the at-fault driver’s insurer on your behalf.

  • We arrange for a like-for-like replacement hire vehicle for you, rather than something that may be too small or unsuitable

  • We can put you in touch with the solicitors we work with who can look to recover out-of-pocket expenses or pursue a compensation claim if appropriate



For more information about our services - please 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 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