Compare non-fault car insurance claims with Accident Management


In the UK, anyone who has become the innocent victim of someone else’s careless driving is entitled to have all reasonable expenses, including repairs to their vehicle and a replacement hire-car, paid for by the insurer of the person responsible.

This means that as far as possible, the victim of the accident is not left out-of-pocket in any way, their vehicle is returned to its pre-accident condition and during the repair process they are able to continue their daily activities as if nothing had happened.

That’s what your insurer should do, right? Well not exactly.

If you have any excess on your car insurance policy, you will almost certainly still have to pay this before the repairs to your vehicle are started. You should get this money back from your insurer, weeks or months later when they have recovered all your losses.

Now remember that the accident was not your fault? Well now your insurer will almost certainly increase your next insurance premium because they now consider that you are more likely to have an accident in the future.

Make sense? – no we don’t think so either…


How our non-fault accident management service benefits you

The fact that we make thousands of successful independent claims every year proves that our customers have made the right choice in using our service instead of a non-fault claim on their own car insurance policy.

We provide our service independently of any insurer. The assistance we provide with your accident claim does not cost you anything because we will recover this on your behalf directly from the at-fault driver’s insurer.


I have to claim on my car insurance, don’t I?

You do not have to make a claim on your insurance if you were not at-fault for the accident. We will notify your insurer (as you are required to do) that the accident has occurred and it will be noted purely 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 particular policy.


Do you provide the same services as an insurer?

We provide a comprehensive service to all our customers. This includes all the backup and support you would hope to receive if you had a fully featured car insurance policy.

How we help after your accident: -

  • 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 our 24/7 help line



These benefits are available to you, regardless of the type of insurance cover you may currently have on your vehicle.

If you have had an accident that was not your fault, please 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