How much will my car insurance go up by after an accident


MIf you are wondering how much your insurance will go up after a fault accident claim, this is almost impossible to say.

Your insurer will consider the details of your particular accident, your claims history and your personal details and apply their own particular rules to your claim.

One thing is for sure though, even if you make a claim for an accident that was not your fault - it will probably go up.


Can I avoid the increase in my insurance premium?

If the accident was not your fault and you have not yet started your accident claim - YES, Car Call and our partners can manage your accident assistance independently of your insurer.

Your insurance premium should not increase – because you do not have to claim on your insurance.

Call us on 02392 484 244 and avoid the expense of a non-fault claim on your car insurance policy.


Thousands of drivers every year benefit from our service

We assess the circumstances of your accident and confirm whether the accident is actually your fault or not.

We report the accident to your insurer for ‘information purposes’ only, so they do not activate a claim on your policy.

We arrange your vehicle recovery, an independent repair estimate, your repairs at an approved accident repair centre, your replacement hire-vehicle and legal assistance

When everything is complete and you are happy with your repair – we and our partners recover the costs involved directly from the at-fault driver’s insurer on your behalf.

We and our partners take care of everything

The services provided for you are shown below: -

  • Your accident is reported to your insurer ‘for information purposes only’

  • An independent automotive engineer will inspect and assess the damage to your vehicle

  • A like-for-like replacement hire-vehicle is deliver to your home or place of work

  • Delivery of your replacement vehicle typically happens on the same day that you call us

  • We and our partners organise the repairs to your vehicle at one of our approved accident repair centres, or at a repairer of your own choice

  • Your vehicle is repaired according to your manufacturers specifications and to your satisfaction

  • We can arrange legal assistance with issues such as recovery of expenses or help with a compensation claim

  • We and our partners recover the costs associated with your claim, directly from the insurer of the at-fault driver

  • You receive 24/7 support and assistance with all aspects of your claim



To avoid an increase in your car insurance after a non-fault accident, call 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