Don’t pay excess if you are not at-fault


We are not telling you to refuse to pay your excess if you make a non-fault claim on your car insurance.

We are just letting you know that you can make a non-fault accident claim independently of your insurer with our service.

By using our independent claims service, our customers also don’t have to put up with an increase in the cost of their insurance, which is inevitable if they use their insurer.


Does your service provide quality repairs and a decent hire-car?

Yes – of course.

We have a UK network of accident repair centres that we have chosen based on their customer service and standards of repair.

Our service also includes the provision of a like-for-like replacement hire vehicle for you to use throughout the repair process.


What’s the catch – how much will this cost?

We and our partners will provide all your services and recover the costs directly from the insurer of the at-fault driver.

Call us now and if we can assist with your claim we will look to provide the following services for you: -

  • A like-for-like replacement for your vehicle if it is un-roadworthy or in the process of being repaired

  • Your replacement vehicle will be typically be delivered to you within 3 hours of starting your claim

  • Your vehicle will be inspected by an independent automotive engineer to assess the extent of the damage

  • We will arrange for your vehicle to be repaired at an approved accident repair centre in your area

  • If you have a preference, we can arrange for your vehicle to be repaired at a repair centre of your own choice

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

  • If you require legal assistance, we and our partners can provide this as part of your claim



Call us now on 02392 484 244for help and advice with your accident claim.

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