Motor accident claims. Courtesy cars


If you have been involved in a car accident, your vehicle is likely to be damaged and possibly even un-roadworthy. If you are not offered a suitable replacement vehicle we may be able to help.

Call 02392 484 244 and we will be happy to assist with your claim.


Whats the difference between a 'courtesy car' and a 'replacement vehicle'?

If your vehicle is being repaired under your car insurance policy, you may only be offered the use of a courtesy car. A typical courtesy car will be a small saloon with little or no option to change to a different vehicle.

When we arrange a replacement vehicle for you, the vehicle we provide will be based on type and engine size of your own. This means you always get the type of vehicle you need.

So if you drive an MPV we give you an MPV, if you drive a delivery van you get a delivery van - you get the idea!


A car accident doesn't mean you have to claim on your motor insurance

If you have a car accident and you were not at-fault, you do not have make your accident claim through your own insurer.

Making an accident claim independently of your insurer has the following key advantages:

  • You do not make a claim on your policy

  • You have no excess to pay

  • You can choose the garage that repairs your vehicle

  • Your no-claims bonus stays protected

  • Your annual insurance premium should not increase

  • You receive a like-for-like replacement hire-car

  • Your replacement vehicle is delivered to you within 3 hours of starting your claim

  • Legal assistance with accident related issues

  • All costs are recovered directly from the at fault drivers insurer


If you have had motor accident and you cannot pay your excess, 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