How can I avoid paying my car insurance excess?


If you have a high voluntary/compulsory excess on your car insurance policy, having a road traffic accident is likely to be one of your worst nightmares.

Not only do you have to deal with the trauma and shock of the accident itself, now you have to find the money to pay your excess so your insurer will authorise the repair process on your car – not good.

If you were at-fault for the accident, unfortunately you have little choice but to find an affordable way get the money you need.

If you were not responsible for the accident, there is an easy way to avoid paying your excess completely, but still get your car repaired, a hire-car and legal assistance.


Independent car accident assistance - without a claim on your car insurance

We independently help thousands of motorists every year resolve their non-fault accident claims – without a claim on their own insurance.

If you make a non-fault accident claim on your car insurance policy, you will almost certainly still have to pay your excess before your insurer will authorise the repair on your vehicle.

If you make a non-fault accident claim on your car insurance policy, your insurer will now consider you to be a higher risk driver and so the cost of your next insurance premium will probably go up.


You do not have to make a claim on your own policy at all, so your insurance costs should stay the same.

Car Call and our partners are completely independent of any insurance provider. We will arrange for your vehicle to be repaired at an approved accident repair centre, provide you with a replacement hire car and also arrange legal assistance if you need it.

When your repairs are complete and you are happy with the result, we and our partners recover the costs involved directly from the at-fault driver’s insurer on your behalf.


So this an alternative to a claim on my policy?

Provided you and your vehicle are road legal, you are not at-fault and you are honest about all the information you provide – we can resolve all your accident related issues as an alternative to a claim on your insurance.

That’s how We and our partners help thousands of drivers avoid non-fault claims on their own car insurance.

Our service enables you to: -

  • Avoid a claim on your insurance. We report the accident to them ‘for information purposes only’ so they do not deal with your claim, but your policy obligations have been met.

  • Get your vehicle recovered and taken to an approved accident repair centre or a repair centre of your choice

  • Your vehicle is repaired according to your manufacturers specifications and the repairs are fully guaranteed

  • Be provided with a quality like-for-like replacement vehicle to use if yours is unroadworthy and/or being repaired

  • Legal assistance can be arranged for the recovery of expenses, damaged or lost personal items and claims for personal injury

  • Costs for all our services are recovered directly from the at-fault driver’s insurer.



To avoid an expensive non-fault claim on your policy, 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 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