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 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