No-fault car insurance claims advice


If you have been involved in a car accident that was not your fault, there are a number of important facts you need to be aware of: -

  • You do not have to make a claim on your car insurance in-order to get your vehicle repaired

  • If you choose to use your insurer, you will almost certainly have to initially pay the excess on your policy

  • If you choose to use your insurer, the cost of your insurance is likely to increase because of your claim

  • If you choose to use your insurer, you will probably have to use the repairing garage they choose for you

  • If you choose to use your insurer, you may not have a guaranteed replacement hire-car on your policy


Car Call independently help thousands of drivers every year get the assistance they need following accidents that are not their fault. Our service not only avoids all the disadvantages shown above, we and our partners recover the costs involved directly from the at-fault drivers insurer on your behalf.

Call us now on 02392 484 244 for further help and advice.


So this is an alternative to a claim on my insurance?

We arrange all the assistance you need on what is called a ‘credit hire and repair’ basis, which means you are not charged for any of the services we provide. We and our partners recover the costs associated with your claim.

In fact – as you don’t have to find any money to pay your excess and your insurer can’t increase your next premium because you are not using their services, you are actually saving money.

Our service includes all benefits of a fully featured insurance policy, regardless of the type of cover you have with your insurer.

Our service includes: -

  • Your damaged vehicle will be repaired at one of our approved accident repair centres or at a repair centre of your own choice

  • All your repairs are fully guaranteed and are carried out according to your vehicle manufacturers specifications

  • You will be provided with a like-for-like replacement hire-car for your vehicle if it is un-roadworthy and/or being repaired

  • We deliver the replacement vehicle to your home or place of work, typically within 3 hours of taking your claim

  • Legal assistance can be arranged for issues ranging from the recovery of lost earnings to claims for injury compensation



To find out more about our service or you would just like some advice, call us 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