Car insurance if the accident wasn’t your fault


Contrary to what you may believe, your no-claims bonus and consequently your next car insurance premium is likely to be affected by a non-fault claim on your car insurance policy.

Why is this? Well, the amount you are charged for your annual car insurance is based on a number of factors about you, and this of course includes the number of accidents you have been involved in. Annoyingly, even though you did not cause the accident you were involved in, your insurer is still likely to assess that you now pose an increased risk of making another claim. As a direct result of this, you are effectively being penalised financially for someone else’s mistake.

Another consequence of a non-fault claim on your car insurance policy is that you will almost certainly still have to pay the excess on your policy before your vehicle is repaired. Your excess payment should be recoverable from the at-fault drivers insurer at a later however, but this could be many weeks or months after the accident.

Clearly neither of these situations is ideal for anyone, this is why thousands of motorists every year choose to make their claims using our independent non-fault claims service rather than a claim on their own insurance. Call 02392 484 244 and an experienced advisor will be happy to help.


How our service works

Basically, we independently organise the repairs to your vehicle, provide you with a like-for-like replacement and sort out any legal issues for you because we and our partners recover the cost directly from the at-fault driver's insurer on your behalf.

You do not make a claim on your insurance policy but we do let your insurer know about the accident for ‘information purposes’ only, so you do not invalidate your policy.

Our comprehensive accident aftercare service is available to all our customers regardless of the type of insurance cover they may have with their insurer.

The benefits of our service include: -

  • No excess to pay

  • We provide a like-for-like replacement vehicle for you to use if yours is un-roadworthy and /or being repaired

  • Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of starting your claim

  • Your own vehicle is repaired at an approved accident repair centre or at a repair centre of your own choice

  • Legal assistance will be arranged for any accident related issues

  • All costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • The claims Help Line is available 24/7 to assist with your queries



To find out how we can help with your non-fault car accident, call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.

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