How to avoid your car insurance costs going up

The way your car insurance is calculated is based many different factors such as your age, where you live, what type of car you drive or how many points you have on your licence.

Most of these factors you will have little or no control over, but there is one that makes a big difference to your insurance costs and you do have control over it.

It is how many non-fault claims you make on your car insurance policy.

People frequently assume that the only way they can get their vehicles repaired after an accident is to get in touch with their insurer.

If you were not responsible for the accident – this is not the case.

Car Call have been independently assisting people in this situation for over 10 years, enabling them to get their vehicles repaired but without using their insurer.

This means they have no excuse to hike-up the cost of your insurance next year.

More reasons to avoid non-fault insurance claims

If you were not responsible for the accident, a claim on your insurance policy is likely to mean: -

  • You will still have to pay the excess on your policy

  • Your next insurance premium is likely to increase

  • You may not get a suitable replacement hire-vehicle to use when yours is repaired

Now is the time to consider the benefits of making your accident claim independently of your insurer.

We and our partners help thousands of motorists every year.

Our service does not cost our customers anything because We and our partners recover the costs directly from the insurer of the at-fault driver on their behalf.

So, I don’t need to contact my insurer at all?

No, we will contact your insurer and notify them for ‘information purposes only’ as you are required to do in the terms of your policy.

Can you tell me what services you provide?

We can arrange the following services for you: -

  • If your vehicle is un-roadworthy or being repaired, we will deliver a comparable replacement vehicle to your home or place of work, typically within 3 hours of accepting your claim

  • We will arrange for your vehicle to be repaired at an approved accident repair centre that is local to you

  • If you would like the repairs carried out at a manufacturer approved repairer or you would just like to use a particular garage, let us know and we will make the arrangements for you

  • Professional legal assistance is included with our service

  • We can help with accident related issues such recovery charges, uninsured losses and claims for compensation

  • Your claims advisor will arrange everything for you and keep you up to date with your claims progress

We basically look after every aspect of your non-fault accident claim, leaving you to get on with your normal activities.

To start your claim, or if you would like some advice, 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 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 comparable 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 comparable 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