I have had a car accident do I have to claim on my insurance policy?




Many people don't realise that making a claim on their car insurance policy is not the only way to get their car repaired after a car accident.

It’s up to you. If your policy provides the legal cover and the assistance you require and you are not concerned about the effect your claim may have on your future insurance costs – you may choose to claim on you own insurance policy.

However using our alternative claims assistance allows you to get your vehicle repaired, a suitable replacement and legal assistance all without potentially losing your no-claims bonus and increasing the future cost of your car insurance.

We and our partners help thousands of people resolve their car accident issues independently of their insurers every year. If you don't want to pay your excess and also want to keep your no-claims bonus call 02392 484 244 and we will be happy to help.

Regardless of the type of insurance cover you have on your car, we and our partners can provide all the help and assistance you need to get your vehicle repaired back to its pre-accident condition without having to claim on your insurance policy.

We achieve this by organising your repairs, providing you with a like-for-like replacement vehicle and also any legal services you need. We then we and our partners recover these costs directly from the insurer of the driver responsible for the accident.

Your insurer should be informed for 'information purposes only' which allows us and our partners to manage your claim independently for you without affecting the terms of your insurance. From this point onwards your own insurer is no longer involved and so you will not have to pay the excess on your policy and your insurance renewal costs should not be affected.


What happens when I start my claim?

After taking the details of the accident, we will look to get an 'admission of liability' from the driver responsible which basically means that they accept that the accident was their fault.

From this point onwards, the following process takes place.

  • If your vehicle is un-roadworthy, we will immediately arrange for a like-for-like replacement vehicle to be delivered to your home or place of work. This enables you to continue with your daily activities with the minimum amount of disruption.

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

  • Your vehicle will be booked in for repair at one of our approved accident repair centres and if you don't already have a replacement vehicle, this will be provided for you whilst yours is in for repair

  • Some customers prefer to use a specific garage for repairs. If this is the case, simply tell your claims advisor as soon as you can and we will arrange this for you

  • All repairs to your vehicle are fully guaranteed and only manufacturer approved parts will be used

  • If you have been unfortunate enough to be injured, the solicitors we work with an look to pursue a compensation claim on your behalf. Recovery of expenses or lost earnings can also be sought if you require it

  • If you have any queries during the claims process our help line is available 24 hours a day, 7 days a week


If you would like us to assist with your accident claim or you would just 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 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