Car insurance excess Why you have to pay it when you are not at-fault

To understand the answer to this question you first have to understand what excess is for.

There are 2 types of insurance excess, compulsory and voluntary.

Both types help some motorists to have insurance which is affordable on an annual basis.

Compulsory excess is an extra sum of money you will have to pay in the event of an accident, it is specified in your insurance quote and is usually non-negotiable.

If your insurance quote is still too expensive for you, you can ask for an additional ‘voluntary’ excess amount to be included in your quote which will further reduce your annual insurance cost because your insurer will have to pay out less in the event of an accident claim.

So why do I do I have to pay out when I am not at-fault?

Even though you may not be at-fault you are still making a claim on your car insurance policy and so you will almost certainly still have to initially pay your excess before they will repair your vehicle.

When your insurer finishes dealing with your claim they should be able to refund this money to you as they can recover it from the at-fault drivers insurer.

Can’t I just get my car repaired without using my insurer?

Yes, thousands of people use our independent claims service every year, to do just that.

We help them to get the assistance they need without having to claim on their own car insurance.

Your accident repairs and your hire vehicle are known as credit-repair and credit-hire. This means that you will not have any costs or charges to pay as we will recover these at the end of your claim directly from the at-fault driver’s insurer on your behalf.

Regardless of the type of cover you have on your insurance policy, our comprehensive claims service provides you with the following benefits: -

  • An alternative to a claim on your own car insurance

  • You will have no excess to pay

  • Your annual premium should not be affected

  • We deliver a comparable replacement for your vehicle if it is un-roadworthy and/or being repaired

  • Your replacement will be delivered typically within 3 hours (if your vehicle is un-drivable) of accepting your claim

  • We arrange guaranteed repairs for your vehicle at one of our approved accident repair centres

  • Repairs alternatively can be arranged at a garage of your own choice

  • Legal assistance will be arranged for the recovery of your expenses, lost earnings or claims for compensation

  • Help is available 24/7 for all your claim queries

To find out how we can assist you, 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 comparable 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 comparable 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