Like-for-like replacement vehicle after a car accident


If you have a replacement vehicle on your car insurance policy, you may not be offered a vehicle that is a suitable replacement.

Our independent claims service enables anyone involved in a non-fault accident to receive a like-for-like replacement vehicle, accident repairs and legal assistance but without a claim on their own insurance policy.


What is the difference between a courtesy car and a replacement vehicle?

If you have a courtesy car on your policy, you may have restrictions on the type of vehicle you could receive. So if you have an accident in say, a family MPV - your courtesy vehicle may not be of the same type.

We provide all our customers with a like-for-like replacement following non-fault accident, regardless of what's specified on your policy.

Because deal with your claim independently of your insurer, it enables us to provide a vehicle that matches as closely as possible the type and engine size of your own vehicle.

This means that whether you drive an MPV, sports car or even a van, we will ensure that you are supplied a similar replacement vehicle.

The majority of the vehicles we provide are less than 6 months old and are typically delivered to you within 3 hours of starting your car accident claim.


Don't I have to use my insurer to make a car accident claim?

If you were not responsible for the accident you were involved in - no you don't.

We act independently on your behalf to provide all the assistance you need after a car accident and then we and our partners recover the costs involved directly from the insurer of the at-fault driver. This benefits you in several ways.

  • An alternative to claim on your own car insurance policy

  • Your no claims bonus stays protected

  • You do not have to pay any excess you may have on your policy

  • You receive a replacement vehicle that is suitable for your needs

  • Your own vehicle is repaired at one of our approved Accident Repair Centres

  • You receive full professional assistance with all your accident related issues

  • We and our partners recover the costs directly from the insurer of the person responsible on your behalf


Call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.


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