Make a no-fault accident claim


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

Many people mistakenly believe that their only option after a road accident is to make a claim on their insurance. If you caused the accident then this is of course true – however if you weren’t, you also have the option of receiving assistance independently of your insurer.

Car Call and its partners enable you to get the kind of accident assistance you would expect from a fully featured car insurance policy – but without the disadvantages of a claim on your policy.

Our service is provided independently of all insurers, so you do not need to make a claim on your own insurance policy, you do not have to pay any excess and your no-claims bonus remains protected.

All the costs associated with your claim are recovered directly from the at-fault drivers insurer on your behalf.

Call us on 02392 484 244 we can discuss the circumstances of your accident and how we can help you today.

If you are involved in a non-fault accident you would normally expect that this would not have any detrimental effects on your own insurance policy.

Most insurance providers believe that if you make any type of claim on your policy, you may present an increased risk of having another one in the future, even if you are not at-fault. This typically means the cost of your insurance will increase the next time you renew it.

Also, you will still have to initially pay the excess and you could lose your annual no-claims bonus.

At Car Call we and our partners independently help thousands of drivers receive repairs, legal help and replacement hire-vehicles following their non-fault accidents.

So you are not making a claim on your own insurance policy at all.


How exactly will you help me?

We and our partners can offer you the following services. We will recover the costs of these directly from the at-fault driver’s insurance provider on your behalf.

  • We will arrange for your vehicle to be repaired at an approved accident repair centre. All repairs are fully guaranteed and carried out according to your manufacturers specifications

  • Should you wish to have your vehicle repaired at a suitably equipped garage of your own choice, just inform our claims advisor and we can arrange this for you

  • We will arrange for a suitable like-for-like replacement vehicle to be delivered to you whilst your vehicle is being repaired and/or is in an undrivable condition

  • Our partner solicitors will provide comprehensive assistance and advice with all aspects of your claim. This includes the recovery of lost earnings, damaged equipment or the pursuit of a personal injury claim



To find out more, call us now on 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