Vehicle accident recovery when you don’t claim on your insurance


If you have been involved in accident that was not your fault, we can arrange for your vehicle to be recovered and repaired – without a claim on your car insurance. We and our partners help thousands of drivers every year by independently organising their assistance and then recover the costs directly from the insurer of the at-fault driver.

Call us on 02392 484 244 to get assistance now


Why not just call my insurer instead?

That’s a good question, and here is the answer – because our customers quite rightly believe that if they are not responsible for an accidentit should cost them anything to get it resolved.

If you use your insurer to resolve a ‘non-fault’ accident, you will almost certainly have to pay your excess and the cost of your insurance will probably increase when you renew your policy.

Our service avoids this completely, because we independently provide the help that you need and recover the costs back from the at fault driver’s insurer – so your vehicle is repaired at the expense of the at-fault driver, not yours.


Can you give me a replacement vehicle?

We do better than that. We arrange for a like-for-like replacement of your own vehicle to be delivered to you, typically within 3 hours of accepting your case.

Most of our vehicles are less than 6 months old and we will always do our best to provide you with a vehicle that is of a similar make, model and engine size to your own.


Can you assure me that my car will be repaired properly?

Of course, we have a network of approved accident repair centres which we know and trust to deliver the high standard of repairs that our customers expect.

If you would like your vehicle repaired at a particular garage - just let us know and we can arrange this for you.


Can you help me if I am injured and cannot work?

The solicitors we work with can provide assistance with the recovery of lost earnings and also pursue a compensation claim for your injury if you wish. They deal with these issues on daily basis and will look to achieve the best possible outcome for you.

To find out more about our services call 02392 484 244 or complete the short form on this page and will call you back.

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