Insurer or Accident Management?



Both your insurer and an Accident Management company should be able to provide you with assistance you need after an accident that was not your fault.

However, the assistance provided by your insurer is likely to depend on you paying them the excess you have on your policy first.

Also - by making a ‘claim’ on your policy, you may lose the annual benefit of your ‘no-claims bonus or discount’.

Finally the cost of your insurance may be increased because you are now considered to be at an increased risk of having further accidents.

That’s quite a lot of potential financial penalties for someone who has done nothing wrong.

This is why thousands of road users every year choose Car Call and its partners to provide accident management as an alternative to a claim on their vehicle insurance policy.

To find out how our accident assistance compares to a claim on your insurance policy, call 02392 484 244 to find out more.

We and our partners can arrange the services and assistance you need to resolve your accident issues.

When your repairs and assistance are complete, we will recover the costs directly from the insurer of the person responsible on your behalf.


How do they compare?

If you make a non-fault claim on an insurance policy:

  • You will probably have to pay the excess before your vehicle is repaired

  • You may not receive a replacement vehicle that is suitable for your needs

  • You may not be entitled to legal assistance with your claim

  • Your vehicle may have to be repaired at a specific garage

  • You will probably lose your no-claims bonus

  • The cost of your policy at renewal may increase due to the claim




It does not matter what type of insurance cover you have, our Accident Management service offers the following benefits:

  • There is no claim on your own insurance policy

  • You have no excess to pay

  • Your no-claims discount is protected

  • The cost of renewing your policy is not affected by a claim

  • You will receive a like-for-like replacement vehicle

  • Your replacement vehicle is delivered typically within 3 hours of accepting your claim

  • Your vehicle can be repaired at one of our approved accident repair centres or at a repairer of your own choice

  • Legal assistance is provided with your claim by our partner solicitors

  • 24/7 support and assistance with all your claim queries



To start using our service today, call us on 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