How to get a decent hire-car instead of a courtesy car after an accident, without changing your car insurance




Just because you only have an insurance policy that only offers you to a courtesy car, does not mean you have to put-up with a replacement vehicle that is of poor quality or have to change your insurance policy completely.


Car Call handles thousands of independent non-fault accident claims every year. Part of our service includes providing our customers with comparable replacement vehicles – so they always receive a similar vehicle to their own, no matter what they drive.

Car Call’s independent accident assistance doesn’t just provide decent hire-car, we actually take care of the entire process of arranging your repairs and ensuring you get appropriate legal assistance if you wish to seek compensation for injuries or lost earnings.


The many disadvantages of a non-fault insurance claim

Typically the disadvantages of making a non-fault insurance claim are :-

  • You will have to pay your excess before your car is repaired

  • The cost of your insurance is likely to increase because of the claim

  • If your no-claims discount is not protected, you will lose it

  • You may get a replacement vehicle, but it may not be of a similar standard to your own car

  • You may have no choice where your vehicle is repaired

  • Your policy may not include legal assistance



Car Call will arrange all the services you require from the list below and when you are happy with the repairs to your vehicle, our legal partners will recover the costs from the insurer of the at-fault drivers insurer on your behalf.

  • We will find an appropriate comparable replacement hire-car for you if your vehicle is being repaired and or if it is un-roadworthy

  • Your hire-car will be delivered to your home or place of work, typically within 3 hours (if your vehicle is un-drivable) of starting your claim

  • Repairs to your vehicle will be carried out at a manufacturer approved accident repair centre or at your preferred repair centre

  • Our partner solicitors will provide assistance with issues such as - claims for compensation, vehicle recovery costs and lost earnings



To find out more, 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