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Motor Accident?

If a car hits mine does insurance go up


Unfortunately, even if a car hits yours and it is not your fault – you will still have to pay your excess and the cost of your insurance will probably go up.

To find out how to get your car repaired at no-cost and without a claim on your insurance, call us now on 02392 484 244.

Sadly most insurers view a no fault accident claim in the same way as any other accident claim, and consequently it can still have the effect of increasing your next renewal premium.

Remember that your No Claims Discount is not a 'No Fault Discount'. So even though the accident was not your fault, if your insurer manages that claim for you, it is still treated as a normal 'claim' and you lose part of your discount.

So the number of claims you have had in the past, whether they were your fault or not will all contribute to an increase in the future cost of your insurance.


How we help you save money

If you are not at-fault for the accident you were involved in, we and our partners can provide all the services you would normally expect from your insurer – and more, but without the need for a claim on your own insurance policy.

We and our partners can provide you with quality accident repairs, a like-for-like replacement vehicle and also professional legal advice.

As we and our partners recover the costs of our services directly from the insurer of the at-fault driver on your behalf.

The benefits of our service include: -

  • No excess to pay

  • The cost of your insurance should not go up

  • We provide a like-for-like replacement vehicle for you to use if yours is un-roadworthy and /or being repaired

  • Your replacement vehicle will be delivered to your home or place of work, typically on the day you contact us

  • Your own vehicle is repaired at an approved accident repair centre or at a repair centre you can choose yourself

  • Legal assistance will be arranged for your accident related issues

  • All costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • The claims Help Line is available 24/7 to assist with your queries



To get your car repaired without a claim on your insurance, call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.

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 UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.
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