I can’t afford a to make a car insurance claim?


Perhaps you have a high excess on your policy or maybe your car insurance is just expensive, either way – having financial concerns added on top of the stress of a road traffic accident can be devastating.

Car Call independently helps thousands of people every year resolve the many issues that can arise following road traffic accidents. We and our partners can provide accident assistance to any driver who was not responsible for the accident they were involved in – without you having to make a claim on your car insurance.


I have not heard of this kind of service before?

Actually we have been helping motorists with their non-fault claims for more than 10 years now.

Anyone who has been involved in an accident that was not their fault is entitled to make a claim on their insurance policy or make a claim independently of their insurer.

If you were responsible for the accident you will probably have to make a claim on your own insurance policy, but if you were not at-fault we may be able to assist with your accident claim independently of your insurance provider.

By making your claim in this way, your insurer is notified – but only for information purposes only. So you have no excess to pay and the cost of your insurance should not increase because of your accident.

Our service does not cost you anything because we and our partners recover the costs directly from the insurer of the person responsible.


Will you sort out my repairs and help me with any legal issues?

We and our partners organise the repairs to your vehicle, provide you with a like-for-like replacement vehicle and assist with any accident related legal issues. On acceptance of your claim, the services we provide can include:

  • A like-for-like replacement for your vehicle if it is un-roadworthy and/or being repaired

  • Your replacement vehicle will be delivered typically within 3 hours of accepting your claim

  • The damage to your vehicle is assessed by an independent automotive engineer

  • Repairs to your vehicle will be carried out at an approved accident repair centre or at a repairer of your own choice

  • Your accident repairs are fully guaranteed

  • Legal assistance is arranged if you need help with the recovery of lost earnings, expenses or you would like to pursue a personal injury claim

  • Access to our 24/7 support line for all your claim enquiries



To find out if we can assist you, 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