Car insurance claims | The only way to repair your car?


Are you the kind of person that automatically calls your insurer whenever you have a car accident? Don’t worry, most people are – but is this the most cost effective way to get your vehicle repaired?


To claim or not to claim… on your car insurance!

As we all know, if you make a driving error that leads to a road collision, unfortunately your only likely course of action is a claim on your insurance policy. You pay your excess; your insurance goes up – that’s the way it is.

However, if you have a collision and its clearly not your fault, why should you still have to pay your excess and still have an increase in your insurance costs?

We don’t believe you should either, that’s why We and our partners help thousands of motorists every year make their non-fault accident claims independently of their insurers.

Car Call independently helps thousands of road users every year, enabling them to get the assistance they need without a claim on their insurance..


Who pays for my repairs and hire car?

Our services are provided to you on what is known as a credit repair and credit hire basis, which means we bear these costs and then recover them from the at-fault driver’s insurer when your claim is complete.

As the victim of a road traffic accident you are legally entitled to the following: -

  • Have your vehicle restored to its pre-accident condition

  • A like-for-like replacement vehicle to use while yours is repaired

  • Recover the costs of any damaged items, lost earnings and be financially compensated for any personal injuries



We independently arrange all this for you and recover the costs directly from the at-fault driver’s insurer.


Get a like-for-like replacement vehicle – not a courtesy car

This means that we provide a hire-vehicle for you that is as closely matched as possible to the make, model and type of vehicle you currently use.

We will source a replacement vehicle that meets or exceeds the specification of your own. Your vehicle is typically delivered to your home or place of work within 3 hours of acceptance of your claim.


Your vehicle is restored to its pre-accident condition

We will locate one of our approved repairers in your area or you can specify your own repairer – just let your claims advisor know as soon as you can.


We arrange legal assistance for you

Legal assistance is included as part of your non-fault claim.

We will arrange for a solicitor to look into all aspects of your accident claim so you can recover the cost of your damaged possessions and if appropriate, pursue a compensation claim for an injury.

To find out more, 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