Courtesy car cover


Courtesy car cover is a term used by insurers to enable you to be provided with a basic replacement vehicle to use, if yours is unroadworthy or being repaired following a road accident. Sometimes it is included with your policy and sometimes it is provided as an ‘optional extra’.


What you are entitled to by law, if you are not at-fault for an accident

If you are not at-fault for an accident, you are entitled to have your vehicle repaired back to its pre-accident condition and be provided with enough assistance to minimise effects of the accident on your daily life.

In the case of your unroadworthy vehicle, it means you should be provided with a like-for-like replacement to use, for as long as you need it.


Your insurer may charge you for it, but we don’t

Yes it's true, if you have been involved in an accident that was not your fault, we can arrange for a like-for-like replacement hire car to be delivered to your door.

We can recover the cost of the hire vehicle, and other costs associated with your accident, from the at-fault drivers insurance company.

Here at Car Call we and our partners pride ourselves on our service to our customers and providing replacement vehicles is just a small part of our service. We can also arrange for your vehicle to be repaired by one of our network of approved accident repair centres.

In addition to this, if you have sustained an injury as a result of the accident the solicitors we work with will ensure that you receive the best possible compensation settlement.

If you have had an accident that was not your fault, call us on 02392 484 244 for free help and advice from an 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