Do I have to claim on my Churchill car insurance?


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

It’s up to you. If your policy provides the legal cover and the assistance you require and you are not concerned about the effect your claim may have on your future insurance costs – you may choose to claim on you own insurance policy.

However using our alternative claims assistance allows you to get your vehicle repaired, a suitable replacement and legal assistance all without potentially losing your no-claims bonus and increasing the future cost of your car insurance.

If you have a Churchill car insurance policy you would normally get in touch with the Churchill car accident claims line following your accident. For independent advice and assistance with car accident claims call 0330 058 1704 and we will be happy to help.

Looking to make a claim with your own insurer may be the first point of call for many motorists. It is important however to remember that anyone involved in a road traffic collision also has the option of making an independent claim if they were not responsible for the accident.

there is an alternative to a claim on your own insurance, so you will almost certainly not have to pay the excess on your policy and your renewal premium should not be affected by your claim.

In addition to this, because we are not bound by the limitations of your insurance policy, we can offer you a level of service and support that may not be available to you normally.

An example of this, would be the type of replacement vehicle we provide with your claim.

We supply all of our customers with a like-for-like replacement for their un-roadworthy vehicles. This means that the vehicle we supply you with will be matched as closely as possible to your own in terms of the type and engine size.

So whether you drive a prestige sports car or even a taxi, we will endeavour to supply you with comparable replacement vehicle that you are happy with. The majority of the vehicles we supply are also less than 6 months old, so you can be assured that you will receive a quality replacement.


Our service at a glance

Here are some questions and answers about our claims service.

Question Answer
Can I get a like-for-like replacement vehicle? Yes
Can my replacement be delivered to home or work? Yes
Can you organise the repairs to my car? Yes
Can I choose the repairing garage? Yes
Guaranteed accident repairs? Yes
Ethical solutions with the best possible settlement? Yes
An alternative to a claim on my own insurance? Yes
Can you just give me some free advice? Yes

If you any questions regarding an accident claim, simply call 0330 058 1704 and we will be happy to help, or alternatively complete the short form on the right hand side of this page and we will call you back.

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