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Motor Accident?

Do I pay excess if accident is not my fault?


Why you may not want to make a claim on your own policy. Compare our services to those provided in your policy, contact us today.

Car Call Claims line

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

Do I pay excess if accident is not my fault? – typically yes. Your insurer should recover the money from the insurer of the at-fault driver – eventually, then they will pay it back to you.

Your annual no-claims bonus however – is probably gone. Also your insurer is likely to consider you to be a higher risk to insure, so when your insurance renewal comes round – it will probably have gone up.

We and our partners help thousands of drivers every year by managing their claims independently of their insurers.

Our alternative accident assistance service allows you to get your vehicle repaired, a suitable replacement and legal assistance without paying your excess, losing your no-claims bonus and potentially increasing the future cost of your car insurance.

To find out how we can help you, call 02392 484 244 and see how our service compares to a claim on your policy.


Why do I have to pay my excess when I am not at fault?

Your insurer does not generally distinguish between a fault or a no-fault accident claim.

You are likely to have to pay the excess up-front before your vehicle is repaired, that is usually a requirement of your policy.

In the case of a 'non-fault' claim, they should recover this money from the at-fault drivers insurer but this can take some time.


Do I tell my insurer if I use your service instead?

Yes you must, otherwise you could invalidate your policy. All that is needed is a quick call to tell them about your accident – but for ‘information purposes only’ that way they know not to start a claim on your policy.


How is my assistance paid for?

We and our partners will recover the cost of your assistance directly from the at-fault driver’s insurer on your behalf when your assistance is complete.


The benefits

Regardless of the type of cover you have on your insurance policy, our comprehensive accident assistance offers you a number of benefits:

  • You have an alternative to a claim on your insurance policy

  • You don’t pay any excess

  • We deliver a like-for-like replacement for your vehicle if yours is un-roadworthy and/or being repaired

  • Your replacement will be delivered typically within 3 hours of accepting your claim

  • We arrange your repairs at one of our approved accident repair centres

  • Repairs can alternatively be arranged at a garage of your own choice

  • Our partner solicitors will help you with the recovery of your expenses, lost earnings or to make a personal injury claim if you want to

  • Help is available 24/7 for all your claim queries



To find out how we can help 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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