How do I report a claim to NFU Mutual Insurance


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

If you have an NFU Mutual car insurance policy, you would normally get in touch with the NFU Mutual car accident claims line following your accident.

If you are not at-fault for the accident you are involved in, we may be able to provide an alternative to a claim on your own insurance policy. To find out about more our service, call 0330 058 1704 and we will be happy to help.


We provide an alternative to a claim on your car insurance

When you make a claim on any car insurance policy, whether the accident is your fault or somebody else’s – you are likely to have to pay your excess and also the cost of your insurance will also likely to increase.

Car Call and its partners provide the assistance you need to get your vehicle repaired and a like-for-like replacement to use during the repairs. We do this for thousands of people every year.

At the end of your accident claim the solicitors we work with recover the costs of the services we and our partners provide, directly from the insurance provider of the at-fault driver. There is no claim on your car insurance policy.

If your accident was not your fault and we accept your accident claim, we can independently provide the following services for you:-

  • We and our partners can arrange for your damaged vehicle to be collected, and returned following the repair

  • We can either find an approved repair centre in your area or use a garage of your choice

  • We and our partners can provide you with a quality like-for-like replacement vehicle, delivered to your home or place of work to use while yours is off the road

  • Replacement vehicles are typically delivered within 3 hours of starting your claim with us

  • The solicitors we work with can provide professional legal advice on any aspect of your accident claim

  • The solicitors we work also recover the costs of the services on your behalf



If you have any questions or would like further advice, please call us on 0330 058 1704 and a UK based advisor will be happy to help you.

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