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Motor Accident?

Car insurance claim increases cost of insurance


We all appreciate that if you have an accident in your car that is your fault, the cost of your insurance is likely to go up. If however you were not responsible, surely the at-fault drivers insurer pays for everything and the cost of your insurance should not go up? Not so.

Insurers calculate their policy premiums based on an assessment of the risk or likelihood of you being involved in a collision.

If you have an accident that was not your fault, most insurers consider that you are now more likely to be involved in an accident in the future, and so this extra risk is covered by an increase in your premium.


In addition to this, you will probably have to pay your excess yourself initially and then try and claim the money back months later.


If you are not at-fault, don’t waste money with a claim on your insurance – let us resolve it for you

Car Call UK and our partners help thousands of people avoid the extra cost and inconvenience of non-fault insurance claims by independently resolving your accident issues for you. There is an alternative to a claim on your insurance policy.

This means that you receive all the benefits you would expect from a good insurance policy - but without an increase in your premium.

We can arrange for repairs to your vehicle by one of our approved repairers or a repairer of your choice. A like-for-like replacement vehicle will be provided and also any legal assistance you may need.

We will recover of these costs on your behalf directly from the at-fault driver’s insurer, leaving you to get on with your daily routine with the minimum of disruption.

To find out how you can get your accident issues resolved without a claim on your insurance - call us on 02392 484 244 and our UK based claims team 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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