Get your car fixed without a car insurance claim


If someone said that to you, you may say ‘how can I afford that?’.

Well if you were not at-fault – you don’t have to, because the insurer of the at-fault driver is obliged by law to cover all reasonable costs to ensure that your vehicle and indeed - your life – is as far as possible returned to how it was before the accident.


But surely only my insurer can deal with that?

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

This enables our customers to not only get the assistance that they need, but it also means they do not need to make a claim on their car insurance and so their insurance costs do not increase.

Normally you would also still be required to pay your excess by your insurer for a non-fault claim – this also no longer applies.

In addition to this, because we are not bound by the limitations of your insurer, we can offer you services such as a like-for-like replacement vehicle, which may not be available on your current insurance policy.

At no point are you expected to pay for any of our services. We and our partners recover these costs when your repairs are complete and you are happy with the result.

Our complete range of services includes: -

  • A like-for-like replacement hire-car to use if yours is un-roadworthy or being repaired

  • Your replacement is delivered to your home or place of work typically within 3 hours of starting your claim

  • You receive guaranteed repairs to your vehicle at an approved accident repair centre

  • Repairs to your vehicle can also be carried out at a repairer of your own choice

  • Legal assistance is included as part of your claim

  • 24/7 support and advice with your accident claim



To find out how we can help with your collision, call us on 02392 484 244 and an experienced advisor 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