How can I make a car accident claim without losing my no-claims bonus?
Unfortunately, a claim on your policy - is a claim on your policy, regardless of whether you were at-fault for the accident or not. So, unless you pay extra to have a protected no-claims bonus, you will lose this benefit – no matter what.
Is there any way I can avoid this?
If you were at-fault for the accident, regrettably this is unavoidable.
However, if you were not responsible for the accident – we have the answer…
We and our partners help thousands of people every year make their accident claims independently of their insurers. This means that we deal directly with the insurer of the person at-fault for the accident so you do not have to make a claim on your own insurance policy.
Your own insurer will be notified for information purposes only as required by the terms of your policy, but they will not handle the claim and so your no-claims bonus should not be affected. In addition to this you will not have to pay your excess at all.
Resolve all your accident issues, without a claim on your policy
Basically, we and our partners take care of everything for you. As we are not restricted by the terms of your insurance policy, it enables us to give you the best possible assistance to resolve your accident issues and get you back on the road as soon as possible.
The benefits of our service are shown below: -
You do not have to claim on your own insurance policy
There is no excess to pay
The no-claims bonus on your policy should not be affected
You are provided with a like-for-like replacement hire-car to use for the duration of the repairs to your own vehicle
The damage to your vehicle is assessed by an independent automotive engineer
If your vehicle is deemed to be a total loss or ‘write off’, you can use your replacement vehicle for up to 7 days after you receive your total-loss settlement cheque
We can deliver your replacement vehicle to your home or place of work typically within 3 hours of accepting your claim
We arrange for your vehicle to be repaired at one of our network of approved accident repair centres or at repair centre of your own choice
Legal assistance can be arranged for the recovery of expenses, lost earnings and claims for personal injuries
Help and advice is available with your claim from our friendly UK based team
To make a claim independently of your insurer, 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 UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.