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Motor Accident?

How much does insurance go up after a minor accident


It would be nice to be able to give a quick and easy answer to this question, but unfortunately – there isn’t one.

All insurance providers will have a slightly different ‘formula’ for calculating the premiums of their customers. It will be based on many factors, including how much it costs them to resolve your accident claim. One thing is for certain though, it’s not likely to be a small increase.

If you were ‘at-fault’ for the accident, there is little you can do about it, apart from paying for the other drivers repairs yourself – but this can be risky if they are of a dubious nature and can lead to more problems. It is probably wise to make a claim on your policy and bear the increased insurance cost this time.


Resolve your non-fault claims without a claim on your insurance

We assist thousands of motorists every year make their claims using our independent non-fault claims service instead of a claim on their own insurance.

We independently organise your vehicle repairs, deliver a like-for-like replacement hire vehicle to your home or place of work and arrange legal assistance if you need it.

We and our partners recover the all the costs directly from the at-fault driver's insurer on your behalf.

We will even let your insurer know about the accident for ‘information purposes’ only, so you do not invalidate your policy.

It doesn’t matter what type of cover you currently have with your insurer, the following services are available to all our customers.

  • Your insurance should not increase because you are not making an insurance claim

  • You have no excess to pay

  • We provide a like-for-like replacement vehicle for you to use if yours is un-roadworthy and /or being repaired

  • Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of starting your claim

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

  • Legal assistance can be arranged for accident related issues

  • All costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • Our Help Line is available 24/7 to assist with your queries



To resolve your non-fault accident without a claim on your policy, 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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