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 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 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