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 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