Do I have to claim on my Hastings Premier 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.

If you have a Hastings Premier car insurance policy and you have been involved in an accident, you would typically contact them to resolve your accident repairs.

However, did you know that you also have the option of resolving your accident without a claim on your policy – if you were not responsible for the accident?

Car Call independently assist thousands of motorists every year, enabling them to get their vehicles repaired without making an insurance claim.

To compare the benefits of our alternative accident assistance against those of any insurer, call now on 0330 058 1704 and we will be happy to help.

If you have an accident that’s not your fault you have the legal right to choose who repairs the damage to your car.

When we and our partners assist with your claim, you will have no excess to pay and your no-claims discount should not be affected. You do not make a claim on your car insurance.


Does it cost me anything?

The cost of the assistance we and our partners provide is recovered directly from the at-fault driver’s insurer insurance provider buy our partner solicitors.

What’s more, we and our partners also give you a like-for-like replacement vehicle to use during the repair process – so you can continue with your daily activities while we sort out everything for you.

We arrange the following assistance for our customers, regardless of the type of cover you may have with your insurer:

  • We and our partners provide a like-for-like replacement for your damaged car. You can use it until the repairs are complete

  • Your replacement car will be delivered to your home or place of work, typically within 3 hours of starting your claim

  • Your damaged car will be repaired at one of our approved accident repair centres or at a repair centre you choose yourself

  • The repairs to your vehicle are fully guaranteed and your repair centre will only ever use genuine replacement parts

  • Legal assistance with your accident related issues is provided by our partner solicitors



To find out how we can help with your accident claim, just call 0330 058 1704 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