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Motor Accident?

Claiming back your excess after a non-fault accident


If you decide to make a non-fault on your car insurance, you may be surprised to be asked for your excess to paid first and in full, before your vehicle will be repaired.

Your insurer will probably reassure you that they will recover this money from the at-fault insurer for you – and they should. The trouble is - it can take months and months before you eventually get it back. If you are lucky enough to have a small car insurance excess, then perhaps this won’t bother you – which is fine.

Unfortunately your insurer will probably have another surprise for you – even though you were the innocent victim in the accident, they will also probably increase the cost of your insurance because of your claim.

Still ok? - we thought not.


Thousands of motorists every year make their non-fault accident claims independently with Car Call UK

We provide assistance under what is known as a credit-repair and credit-hire basis. This means that you will not have pay any costs or charges for the services we provide because we will arrange for these costs to be recovered directly from the at-fault driver’s insurer on your behalf.

We provide the support services you would expect to receive if you had top of the range Comprehensive car insurance cover, except that it does not matter what type of insurance cover you actually have - because everyone gets the same high quality service regardless.

How we help following your accident: -

  • An alternative to a claim on your own car insurance

  • You have no excess to pay

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

  • Your replacement will be delivered typically within 3 hours 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 enquiries

  • All costs and charges are recovered on your behalf



To save money on your non-fault claims, 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 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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