No courtesy car on my policy after my accident


Maybe you couldn’t afford the extra cost or perhaps you were just not aware of it – but not everyone has a courtesy car on their car insurance policy.

However, don’t worry. If you were not at-fault for the accident - we and our partners can provide you with a like-for-like replacement hire car. Call 02392 484 244 to find out how.

Even if you do have a courtesy car on your policy, you may not necessarily be provided with a suitable like-for-like replacement. We and our partners take care to ensure that the vehicles we provide match as closely as possible the make and model of your own.

Most of the vehicles we supply are less than 6 months old and we can typically deliver them to your home or place of work within 3 hours of starting your claim.


Do you just provide hire cars?

No - we don’t!

We independently help any driver who has had a non-fault car accident by organising their accident repairs, their hire vehicle and their legal assistance.

there is an alternative to a claim on your own car insurance because we will recover the costs directly from the insurer of the at-fault driver.


The advantages of our independent claims service

Even though we have no connections with any insurers, we believe we and our partners can provide an excellent accident assistance service for you. It allows us to be free from any restrictions you may find in the small print of your insurance policy and gives you the following benefits: -

  • You have an alternative to a 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 like-for-like replacement vehicle that is suitable for your needs

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

  • Alternatively, you can choose a specific repairing garage of your own if you wish

  • We arrange professional legal 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.

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