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Motor Accident?

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 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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