Is it worth claiming on my car insurance?



There are a couple of situations where not making a claim on your car insurance can be a good idea. For independent help and advice with any car accident situation 02392 484 244 and we will be happy to help.

You may choose not to make a claim on your policy after an accident if:

  • The damage was minor and you agreed that you or the other party would cover the repair costs without making a claim

  • The accident was clearly not your fault


If you are not making a claim on your insurance policy - the following will apply:

  • You will have to notify your insurer for 'information purposes only'

  • You will not be making a claim on your car insurance policy

  • You will not have to pay the excess on your policy

  • Your insurance premium should not be affected


Minor accidents

If the accident was minor and the person responsible agrees to pay for your repairs then it may not be necessary to make a claim on your policy.

However - beware, you will be relying solely on the honesty and integrity of the person you are dealing with to cover your repair costs.


If the accident was not your fault

If you were not responsible for the accident, we can independently help you resolve your accident issues without a claim on your policy.

We and our partners help thousands of people every year by providing the following assistance and recovering the costs directly from the at-fault drivers insurer on your behalf.

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

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

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

  • Your vehicle repairs are fully guaranteed

  • Legal assistance is arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation

  • Access to our 24/7 help line


All these benefits are available to you, regardless of the type of insurance cover you may currently have on your vehicle.

To find out more about our service, call on 02392 484 244 and we will be happy to help.



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