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Motor Accident?

Don’t lose your no claims discount with a non-fault insurance claim


Your claims record and No Claims Bonus/Discount helps you keep down the cost of your insurance, so anything that can be done to protect it without having to pay-out for ‘extra bonus protection’ has to be good news.

Unfortunately however, even if you were not responsible for an accident – your insurer will still view this as ‘a claim’ and so your annual No-claims discount is gone.

In addition to this, your insurer will almost certainly require you to pay the excess on your policy before your vehicle will be repaired and also the cost of your insurance will probably increase due to your non-fault claim.


If I don’t use my insurer then who fixes my car?

We independently provide the assistance that you need to resolve your accident issues and recover the costs of our assistance directly from the insurer of the person at-fault.

This is why thousands of drivers every year choose to use our service instead of making a claim on their own car insurance.

So you have no excess to pay and your no-claims discount should remain protected.


Will you provide the same help as my insurer?

Our comprehensive non-fault claims service includes arranging your vehicle repairs, a like-for-like replacement hire vehicle and even your legal assistance.

Because we are completely independent of your insurer, you are entitled to receive all the services below, regardless of the type of insurance.

Our service includes: -

  • A like-for-like replacement for your damaged vehicle if it is un-roadworthy and/or being repaired

  • Your replacement vehicle is delivered typically on the same day we accept your non-fault claim

  • Repairs to your vehicle are carried out at one of our approved accident repair centres

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

  • Alternatively, we can arrange for your repairs to be carried out at a repair centre of your own choice

  • If you need assistance with legal issues such as the recovery of expenses, lost earnings or claims for personal injury



To avoid a claim on your policy and losing your no-claims discount, call 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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