I want to make a non-fault accident claim but not on my insurance


Making a non-fault accident claim independently of your insurer can not only save you money, but it may enable you to get a more suitable vehicle as a replacement.

To find out if we can help with your accident, simply call 02392 484 244 and we will be happy to discuss your claim with you.


How we help after your non-fault accident

If you were not at-fault, we can look to arrange a number of accident related services for you.

We and our partners will recover the costs directly from the insurer of the driver who is at-fault on your behalf.

We and our partners help thousands of people every year in this way, enabling them to receive the best quality accident repairs, hire vehicles and legal assistance without the need to make a claim on their own insurance policies.


What happens when I make a claim?

An experienced UK based claims advisor will handle your call. They will take all the details of your accident and will assess whether it was a fault or non-fault accident.

When we have accepted your case, we first take a few details to establish what services you will need.

If your vehicle is un-driveable, we will organise a like-for-like replacement vehicle based on the details of your own. This means that you will be provided with a vehicle that matches the make, model and engine size of your own vehicle and it will typically be delivered within 3 hours of accepting your case.

We will then arrange for an independent engineer to assess the damage to your vehicle. Your vehicle will then be taken to one of our network of approved accident repair centres to repair the damage.

You are not however limited to our suggested repairer, if you prefer we can arrange for your vehicle to be repaired at a garage of your own choice.

If you would like to make a claim for lost earnings or personal injury compensation, we can put you in touch with the solicitors we work with. They will provide any advice or assistance you may need and look to pursue a claim settlement on your behalf.

We always endeavour to achieve the best possible settlement award for any claim.

To find out more, call 02392 484 244 and we will be happy to help in any way we can.

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