Car insurance premium increase after claim


If you were at-fault for an accident, your insurance provider will almost certainly have increased the cost of your insurance policy when you renew. This is because you have just shown them that you are not perhaps as good a driver as you thought, and consequently you are more likely to have another accident.

If you have a car accident and it was not your fault, you would expect the insurer of the person responsible to pay for everything and for it not to cost you anything.

Unfortunately, it doesn’t work that way.

Even if you are not at-fault and you make a claim on your policy, it usually makes no difference - your insurance will still go up.

This is curiously because the same also applies in terms of ‘risk’, your insurer will still consider that you are more likely to have an accident – even though you were not responsible.


Your vehicle repaired at no-cost and without a claim on your insurance

Our service is provided independently of any insurer

The accident assistance we provide with your accident claim does not cost you anything because we and our partners recover these costs directly from the at-fault driver’s insurer. There is an alternative to a claim on your car insurance policy.


How our service works

We will notify your insurer that the accident has happened ‘for information purposes only’.

We will then deal with your accident claim in much the same way as your insurer, except we are not bound by the limitations of your car insurance policy.

Our service includes all the help and support you would expect to receive from a fully featured car insurance policy.

  • You will receive a like-for-like replacement for your damaged vehicle

  • Your replacement vehicle is delivered typically within 3 hours of accepting your claim

  • Your vehicle can either be repaired at one of our approved accident repair centres or at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed

  • Legal assistance is arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation

  • Access to experienced claims advisors on our 24/7 help line



All the above services are available to you, regardless of the type of insurance cover you may currently have on your car.

To avoid an unnecessary claim on your car insurance today, call us now 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 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