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Motor Accident?

How long do I have to report a car accident to my insurance company?


All insurance policies are different, so you should study the ‘terms and conditions’ of your particular policy to see if there is a time limit on reporting your accident.

Be aware that if you do not comply with the terms of your policy your insurer may refuse to provide cover for you.

We would advise our customers to report accidents at least within 7 days of the accident occurring.

If you were injured in a car accident and you have not yet sought compensation for your injury, you are still entitled to claim compensation provided that you make your claim within 3 years of the accident occurring.


Do I have to make a claim with my car insurance provider?

If you were at-fault for the accident you will have to make a claim on your car insurance policy.

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.

Why thousands of drivers every year choose our independent non-fault claims service

Our independent claims service helps motorists get the assistance that they need but without a claim on their own car insurance policy.

We and our partners organise all the assistance you would expect from a fully featured car insurance policy.

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: -

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

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

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

  • We can arrange legal assistance for issues such as lost earnings, expenses or claims for personal injuries

  • 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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