Do I have to tell my insurer I have had a road accident?



The terms of every vehicle insurance policy will contain a condition like this: -

“Failure to notify us of any road traffic collision involving your vehicle will invalidate the cover provided by this policy”

There will also be a time limit in which you will have to report the accident contained in the terms and conditions of your particular policy. If you were at-fault for the accident, it is advisable to report your accident as quickly as possible.

If the accident was not your fault - you still have to notify your insurer of the incident. However making a non-fault accident claim on your car insurance policy can have many disadvantages.

To find out the benefits of our independent claims service call 02392 484 244 and we will be happy to help.


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.

Why not let my insurer deal with it?

If your insurer handles your non-fault accident claim, you will almost certainly still have to pay the excess on your policy and your claim will probably result in an increase in the cost of your insurance.


What is an independent car accident claim?

We act completely independently of your insurer to provide accident assistance to anyone who is not at-fault for the road accident they were involved in.

We report your accident to your insurer, but only for “information purposes only” so that you are in accordance with the terms of your policy, but they will not process your accident claim.

We provide a comprehensive accident service to all our customers, which includes quality repairs to your vehicle, a like-for-like replacement for you to use whilst yours is being repaired and professional legal advice and assistance.

You get the kind of assistance you would expect from a fully featured insurance policy, except you will not have to your excess and the cost of your insurance should not increase as a result of your independent claim.


So who pays for all this?

We will recover the costs of any services we provide directly from the at-fault drivers insurer on your behalf.

Our service at a glance: -

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
Can you help with my compensation claim? 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 would like to find out more about our services or you would just like some advice, 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 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