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Motor Accident?

How long after an accident can I make a car insurance claim?



The terms of your particular insurance policy should state the time period in which you should make your accident claim, however it is generally advisable to report an accident repair claim within 7 days of the accident occurring.

If you are looking to pursue a compensation claim for an injury however, you can make a new claim up to 3 years after the accident occurred provided you haven’t made a claim for that accident previously.


Do I have to claim on my car insurance policy to get my vehicle repaired?

If you were at-fault for the accident you were involved in, the only option is to make a claim on your car insurance policy. But your car will only be covered for a repair if you have a fully comprehensive policy. If you have third party insurance, your policy will only cover repairs to the other driver’s vehicle.

However if you were not at-fault for the accident, you have the option of either making a claim on your own policy or making a claim independently of your insurer.

It’s up to you. If your policy provides the legal cover and the assistance you require and you are not concerned about the effect your claim may have on your future insurance costs – you may choose to claim on you own insurance policy.

However using our alternative claims assistance allows you to get your vehicle repaired, a suitable replacement and legal assistance all without potentially losing your no-claims bonus and increasing the future cost of your car insurance.

The advantages of an independent non-fault accident claim

We independently help motorists get the assistance that they need but without a claim on their own motor insurance policy.

When we deal with your claim, we provide all the services you would expect from a comprehensive car insurance policy - except you are not actually using your insurer.

We can do this because we act independently of any insurer and so we are not bound by their terms and conditions, consequently we can recover your accident related costs directly from the at-fault driver’s insurer on your behalf.

Making your accident claim in this way of course also means that you do not have to pay the excess on your own policy and the no-claims bonus on your policy should not be affected.

The services we provide with your claim include: -

  • A like-for-like replacement hire-vehicle if yours is un-roadworthy and/or being repaired

  • The replacement vehicle is delivered to your home or place of work typically within 3 hours of your claim being accepted

  • Your vehicle is repaired at an approved accident repair centre or at a repairing garage of your own choice

  • Legal assistance is arranged for issues such as lost earnings, expenses or a claim for a personal injury

  • 24 hour help and assistance with all your claim related queries

If you would like to find out more about our service, 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.
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