Is the cost of my car insurance affected if I didn’t cause the accident?


The future cost of your car insurance will almost certainly be affected by a claim on your policy, whether you are at-fault or not. This is because you will probably be considered more likely to have further accidents in the future. This probably seems unfair, but this is the way car insurance works.

One way to help keep your claims history to the minimum is to use an independent claims assistance provider like Car Call.

If your accident was not your fault, we may be able to provide you with the help and assistance you need, independently of your insurer.

This enables you to get the assistance you need to resolve your accident related issues, but without having another claim going on your car insurance record.

Another advantage of our service is that you will not have to pay any excess you may have on your policy.


Our non-fault claims service provides an alternative to a claim on your own insurance

Thousands of motorists every year choose to use our service, safe in the knowledge that we will recover the costs involved directly from the insurer of the at-fault driver.


What services do you provide?


  • Repairs will be carried out to a high standard from using our approved repairers, alternatively you can choose your own garage or manufacturer approved repairer - the choice is yours.

  • If you have lost earnings or require compensation for an injury, the solicitors we work with can help you find an appropriate settlement.

  • Some car insurance policies may offer a replacement vehicle, but they may not offer a like-for-like replacement.

  • We will arrange for a like-for-like replacement hire-car for you to use while your vehicle is off the road and being repaired.

  • Should your vehicle be deemed a totally loss, you will be able to use your replacement hire-car for up to 7 days after you receive your final settlement cheque.



For independent assistance with your non-fault accident, call us on 02392 484 244 and we will be happy to provide any assistance we can.

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