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Motor Accident?

Is my No-Claims Discount affected by a non-fault claim

Your annual No-claims discount will almost certainly be lost if you make a non-fault claim on your car insurance policy.

This is because it is a ‘no-claims’ discount and not a ‘no-blame’ discount.

Your car insurance provider supplies the services to resolve the accident and that is as far as they are concerned - just another claim.

What happens when you make a non-fault claim on your car insurance

Typically this is what happens when you make a non-fault claim on your insurance: -

  • You will probably have to pay your insurance excess before your car is repaired

  • The cost of your insurance is likely to increase as a result of your claim

  • If your no-claims discount is not protected, you are likely to lose it

  • You may get a replacement vehicle, but it may not be suitable for you

  • There could be limitations on the length of time you can use your replacement vehicle for

  • You may have no choice where your vehicle is repaired

  • Your policy may not include legal assistance

Car Call UK and our partners help thousands of people every year by providing independent non-fault accident assistance - there is no-need to make a claim on your car insurance policy.

We will arrange the services you need from the list below and when you are happy with the repairs to your vehicle, we and our partners recover the costs from the insurer of the at-fault driver on your behalf.

  • We deliver a like-for-like replacement hire-car for you to use while your vehicle is repaired and/or un-roadworthy

  • Your replacement hire-car can be delivered to your home or place of work, typically on the same day you start your claim

  • If your car is a total loss, you can use your replacement vehicle for up to 7 days after the receipt of your settlement cheque

  • Repairs to your vehicle are carried out at an approved accident repair centre or at a repairer you choose

  • All repairs are fully guaranteed and carried out according to your manufacturers specifications

  • Legal assistance is arranged for issues such as - claims for compensation, vehicle recovery costs and lost earnings

To avoid losing your no-claims bonus by making a non-fault claim on your car insurance policy, call 02392 484 244 to find out more 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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