I can’t pay my excess after an accident


If you have chosen to have a large excess on your policy to keep your insurance costs down, it can come as a shock when you are told by your insurer that you have to pay this amount, especially if you are the innocent party in a road traffic accident.

They should be able to recover your money at a later date from the at-fault driver’s insurer - but why should you pay anything at all?

Any non-fault road accident can be resolved without a claim on your insurance using our fully independent claims service. Call 02392 484 244 to find out how we can help you independently of your insurer.


Top quality repairs without a claim on your policy?

Absolutely - thousands of drivers every year benefit from our independent claims service, enabling them to get their vehicles repaired back to their pre-accident condition, but without the disadvantages of a claim on their own insurance policy and having to pay their excess.


How does your service work?

Your claims advisor will take the details of your accident and immediately arrange for a like-for-like replacement vehicle to be delivered to you, if your vehicle is un-roadworthy. Your vehicle is then assessed by an independent automotive engineer and the repairs arranged at an approved repair centre that is local to you.

When your repairs are complete and you are satisfied with the result, we and our partners recover the costs directly from the at-fault driver’s insurer on your behalf.


These are the services we provide

As we operate independently of any insurer, we will provide you with the full range of accident aftercare services - regardless of type of insurance cover you may have.

You will receive the following assistance with your non-fault accident claim: -

  • You will be provided with a like-for-like replacement vehicle to use if your vehicle is un-roadworthy and/or being repaired

  • Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of starting your claim

  • Your vehicle damage is assessed by an independent Automotive Engineer

  • We arrange for the repairs to be carried out at an approved accident repair centre or a repair centre of your own choice

  • If you would like to recover expenses, lost earnings or look to pursue a compensation claim for an injury the solicitors we work with will be happy to help

  • Costs associated with your accident claim are recovered from the at-fault drivers insurer on your behalf



To find out if we can help with your accident claim, 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 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