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Motor Accident?

Do I have to claim on my car insurance


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.


Non-fault car insurance claims cost you money

Car Call UK and our partners help thousands of motorists every year get the assistance that they need following an accident, but without making a claim on their own insurance policies.

Because they don’t claim on their car insurance policy they don't have to pay their excess or affect the cost of their future insurance.

As well as organising your vehicle repairs and replacement hire vehicle, we also arrange legal assistance to help you recover the costs of any uninsured losses such as expenses, lost earnings, travel costs, hire-vehicle costs or personal injury claim costs.

All these costs and charges are recovered directly from the insurer of the person responsible for the accident.

Using our service enables you to get the following assistance following your accident: -

  • We will provide a like-for-like replacement for your damaged vehicle

  • The replacement vehicle is delivered typically within 3 hours of accepting your claim

  • Repairs are arranged at one of our approved accident repair centres or at a repairer of your own choice

  • All your repairs are fully guaranteed and are carried out according to manufacturer specifications

  • Legal assistance can be arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation

  • Costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • Expert help and advice from our 24/7 help line



To find out more about our non-fault claims service, 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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