Insurance claim - not my fault


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

Most of us will be involved in a car accident at some point in our lives - and some more often than others. We all have car insurance for this very reason, to protect us from the often-high cost of repairs, whether they are for your vehicle, the other persons vehicle or sometimes both.

If your insurer handles a non-fault insurance claim though, it’s annoying that it can actually end up costing you money – when really it shouldn’t.

Firstly, you are likely to have to pay the excess on your policy before your vehicle is repaired. Even though this money should be recovered for you later – you still have to find it the first place.

Secondly, you are likely to lose your annual no-claims bonus for the year.

Thirdly, there is a good chance the cost of your insurance will increase because of your claim.

Car Call and its partners can handle your non-fault accident claim independently of your own insurer. As you are not making a claim on your policy of course – none of these issues will apply.

Find out why thousands of people every year choose to use our alternative accident assistance services, call 02392 484 24402392 484 244 and we will be happy to help.


How we help after an accident

We and our partners independently provide the same comprehensive package of assistance to all our customers – regardless of your type of cover or the features of your insurance policy.

Our service includes repairs to your vehicle, a like-for-like replacement car and professional legal assistance from our partner solicitors.

Remember, as you are not making a claim on your own insurance - you will not have to pay the excess on your policy and the cost of your insurance at renewal should not be affected by the accident.

We will recover the costs of any services we provide directly from the at-fault drivers insurer on your behalf.


Do I tell my insurer about the accident?

Yes, you do. To comply with the terms of your policy, they should be told purely for ‘information purposes only’ and that no action is required on their part.

To find out more about the benefits of our service or to start your claim right now, call 02392 484 244 and one of our experienced UK based claims advisors 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