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Motor Accident?

How to avoid paying your car insurance excess when you are not at-fault


You only have to check a few internet forums to see how annoying it is for innocent motorists to have to pay their excess after an accident that was not their fault and then wait months and months before their insurer recovers it from the at-fault driver’s insurer.

As many of them have also discovered, the cost of their insurance can increase significantly after their ‘no-fault’ insurance claim as well.

Does that sound fair? No, we don’t think so either - and nor do our customers.

That’s why they use our independent non-fault claims service instead.


Making your non-fault accident claims independently of your insurer

Thousands of motorists every year receive our independent claims assistance following their non-fault accidents. It enables them to get their vehicles repaired, receive a hire-car and also get the legal help that they may need - all without a claim on their car insurance.

Because we and our partners recover your costs directly from the insurer of the at-fault driver..

Also – as you are not making a claim on your own car insurance policy – you have no excess to pay and your next insurance premium should not increase because of the accident either. That’s more like it.

Remember it does not matter what type of cover you have on your own car insurance policy, because we act independently for you - the following services are available: -

  • We will provide a like-for-like replacement for your damaged vehicle

  • The replacement vehicle is delivered typically within 3 hours of accepting your claim

  • Repairs are arranged at one of our approved accident repair centres or at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed and are carried out according to manufacturer specifications

  • Legal assistance is arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation

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

  • Impartial help and advice from our 24/7 help line



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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