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Motor Accident?

If you are not at-fault for an accident, don’t make a car insurance claim


If someone said to you, don’t make an insurance claim after a car accident – you would probably think they are crazy.

If you were not at-fault for the accident – this is very good advice.

Why? - If the accident was not your fault, you will still be required to pay the excess on your policy. You should be able to get the amount returned to you at a later date, but this could leave you out of pocket for a significant period of time. Also, even though the accident was not your fault, in the eyes of an insurer this is still a claim – just like any other. So, you are likely to lose your no-claims bonus as well.


But if I don’t make a claim, who repairs my car?

We and our partners help thousands of road users make accident claims independently of their insurers every year.

Our independent claims process is like a normal insurance claim, except we arrange all the assistance you need and your insurer is not involved at all.

Most importantly, because we independently deal with the insurer of the at-fault driver on your behalf, you will not have pay the excess on your policy and your annual renewal premium should not be affected by your accident claim.


Get the assistance you need at no-cost to yourself

After a road traffic accident, you will not only be looking to get your own vehicle repaired but you will need a suitable temporary replacement vehicle to use whilst yours is being repaired.

We can arrange these services for you and more. Who pays for this? – all costs are recovered on your behalf, directly from the insurer of the at-fault driver when your claim is complete.


The services available to you include: -

  • Your vehicle is repaired back to its pre-accident condition at an approved accident repair centre in your area

  • Your vehicle repairs can alternatively be carried out at a repair centre of your own choice

  • Our repairers only use genuine parts and repairs are carried out to manufacturers specifications

  • A replacement vehicle can be delivered to within 3 hours starting your claim

  • Your vehicle will be replaced on a like-for-like basis, which means it will be matched as closely as possible to the type and engine size of your own

  • The solicitors we work with can also assist you with issues such as lost earnings, damaged possessions and claims for compensation

  • 24/7 assistance from our experienced UK based claims team



For further information please call 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 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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