Make a car insurance claim Car accident claims


If you are looking to make a claim on your car insurance policy you should think twice before making any non-fault claims.

Making a non-fault claim on your insurance should not cost you anything to get your vehicle restored to its pre-accident condition – in theory.

The reality is - you will almost certainly be asked to pay your excess before they will start repairs on your car. Your insurer should eventually recover this money from the at-fault driver’s insurer – but why pay this in the first place, when you don’t have to?

Also, what is going to happen when you come to renew your insurance policy? It will almost certainly have gone up – as a direct result of your non-fault claim

The simple fact is, someone else’s careless driving is likely to cost you money.


Avoid a needless claim on your insurance and let us manage your claim independently of your insurer

Both of these issues are easily avoided if you make your claim through Car Call.

We specialise in managing all aspects of non-fault motor accident claims on your behalf, so you do not have to claim through your insurance company.

We not only arrange for your car to be repaired by one of our approved repair centres, but we can also provide you with a quality like-for-like replacement hire-car for you to use for the duration of the repairs. We and our partners recover the costs and expenses directly from the at-fault driver’s insurance company.

This means that your insurance record will not be affected and there will be no change in your annual premium thanks to someone else’s careless driving.


Comprehensive accident assistance – without a claim on your insurance

We independently help thousands of motorists every year get quality accident repairs to their vehicles and by eliminating any potential costs that you may otherwise have to pay by making an insurance claim.

Compare the benefits shown below to those of your policy: -

  • An alternative to a claim on your own car insurance policy

  • All costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • You have no excess to pay and your next insurance premium should not be affected

  • A like-for-like replacement for your car is delivered to you typically with 3 hours of starting your independent claim

  • We arrange the repairs for your car at an approved accident repair centre

  • You can choose who repairs your vehicle yourself if you prefer

  • We can arrange legal assistance for issues including expenses, lost earnings and claims for compensation

  • A 24/7 help line is available for all your claim enquiries



Don’t waste money making a non-fault claim on your car insurance policy, 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