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 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 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