If my vehicle is a total loss, am I entitled to a hire vehicle?


If you have been involved in a road accident and your vehicle is uneconomical to repair, the vehicle is referred to as a ‘total loss’ or a ‘write-off’.

In this situation many insurance policies that allow you to have a replacement hire-vehicle would want your hire vehicle returned immediately. You will have to consult your policy documentation or contact your insurance provider in order to check if this is the case on your particular car insurance policy.


A replacement hire-car you can use for up to 7 days after you receive your total loss settlement cheque

We appreciate that it is not always easy to find another suitable car quickly when yours is a total loss. That’s why our independent non-fault claims service allows you to use your replacement hire-car for up to 7 days after you get your settlement cheque.


What is an independent non-fault insurance claim?

If you were not responsible for the accident you were involved in, you can choose to either resolve your accident repairs etc. by making a claim on your car insurance policy or you can use an independent claims service like ours.

What’s the advantage of using our service? That’s simple, a non-fault claim on your insurance policy means:-

  • Your next insurance premium will probably go up because of the claim. This is because insurers generally believe that the more claims you make – the more likely you are to make another. So, to cover that risk, they increase the cost of your insurance.

  • You will almost certainly still have to pay your excess up-front before they will repair your car. This can be a large amount of money to find at short notice, and you may not get that money back for weeks or months after the accident when your insurer recovers it from the at-fault driver’s insurer.

  • Not all insurance policies include a replacement hire-car. Some may just offer you a ‘courtesy car’, which is likely to be a small hatchback or saloon, and that is only if the repairing garage has one available at the time.



Our claims service is completely independent of all insurers. We arrange your repairs, hire-car and legal assistance and recover the costs directly from the at-fault drivers insurer on your behalf.

We will notify your insurer ‘for information purposes only’ and so no ‘claim’ is registered on your policy and you don’t get any of the disadvantages mentioned above.


How we help after your accident

We and our partners help thousands of people every year make accident claims independently of their insurers. You will receive all the help and assistance you would expect from a fully featured car insurance policy, including guaranteed repairs, a like-for-like replacement vehicle and legal support.

Our service at a glance: -

Question Answer
Can I get a like-for-like replacement vehicle? Yes
Can my replacement be delivered to home or work? Yes
Can you organise the repairs to my car? Yes
Can I choose the repairing garage? Yes
Can you help with my compensation claim? Yes
Ethical solutions with the best possible settlement? Yes
An alternative to a claim on my own insurance? Yes
Can you just give me some free advice? Yes


To find out more about our services call 02392 484 244 or complete the short form on this page and will call you back.

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