How do I make a motor claim?



If you need your vehicle repaired and help to make a compensation claim after a motor accident you have the option of either claiming on your insurance policy or making your claim independently if the accident was not your fault. To find out the best option for you, call us on 02392 484 244 and we will be happy to help.


When would I claim on my motor insurance policy?

If you were responsible for the road accident, you will probably have to make a claim on your own motor insurance policy.

If you have fully comprehensive cover, your vehicle repairs should be covered on your insurance, if however you only have third party insurance you repair costs will potentially not be covered.


What if the motor accident was not my fault?

If the accident was not your fault, you could either make a claim on your motor insurance policy or make a claim independently of your insurer.

Making a claim on your insurance policy will almost certainly mean:

  • You will have to pay the excess on your policy

  • Your annual premium is likely to increase as a result of your claim

  • You may not be able to choose who repairs your vehicle

  • You may not be entitled to a like-for-like replacement vehicle to use whilst yours is repaired



If we handle your claim independently of your insurer:

  • You will have no excess to pay

  • Your annual premium should not increase as you are not claiming on your policy

  • You can choose who repairs your vehicle

  • You will be provided with a like-for-like replacement vehicle

  • All costs and charges are recovered from the at-fault drivers insurer


Can you provide legal assistance too?

Yes we can. If you have any legal issues, we can arrange the assistance of a specialist road accident solicitor for you.

Legal issues you may have could include:

  • The recovery of travelling expenses

  • The recovery of vehicle storage costs

  • The recovery of the cost of damaged property

  • A claim for personal injury compensation


To find out how our service can help you following your motor accident, 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