Lower the cost of your car insurance


There are several ways to lower the cost of your car insurance when you purchase your policy. These could include using a price comparison site (although they do not always give you the best deal) to increasing your voluntary excess or even just buying a smaller car!

So let’s say you have already got the best policy you can find, is there anything else you can do to save money?

Absolutely – do not make non-fault accident claims on your car insurance or it will end up costing you money in the long run.


The disadvantages of making non-fault accident claims on your car insurance

Car Call independently assist thousands of motorists every year resolve their non-fault accident issues independently of their insurers.

A non-fault accident claim on your car insurance will almost certainly mean you have to pay your excess up-front before your car is repaired. In addition to this, your insurer will probably put up your next insurance premium too.

Because we independently resolve everything for you, there is an alternative to a claim on your policy, pay your excess or have the cost of your insurance increase next time as a result.

You don’t even have anything to pay.

You do not pay us at all for our assistance because we and our partners recover these costs directly from the at-fault driver's insurer.

Your insurer will be notified of your accident, but for ‘information purposes only’ so you fulfil the terms of your policy but they do not handle your claim.

We will then arrange all the services you need, including all the help and support necessary to get you back on the road as soon as possible.


Will I get a hire-car?

If your vehicle is un-roadworthy, we can typically deliver a like-for-like replacement to you on the same day as we accept your claim.


Where is my car repaired?

We will arrange for your vehicle to be repaired at one of our approved accident repair centres or if you prefer, at a repair centre of your own choice.

Our accident repair centres only get our approval if they demonstrate consistently high standards of repair and customer service.


I don’t want anyone hassling me to make a personal injury claim

We are not ‘one of those’ companies.

If you need legal assistance to recover expenses or you want to make a genuine personal injury claim, just let us know and of course we can help.

To start you non-fault claim today call 02392 484 244 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