No-fault claims companies


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.

If you have had an accident and you are not the person responsible, in the UK you have the right to have the costs of all reasonable accident expenses, the repairs to your car and the cost of a replacement hire-car, recovered from the insurance provider of the person responsible.

However if your insurance provider handles your non-fault accident claim, you are likely to have to pay the excess on your policy before your vehicle is repaired, you will probably lose your no-claims bonus and the cost of your next insurance premium is likely to increase as a result of the claim.

Car Call and its partners provide independent alternative accident assistance to thousands of road users every year. We are different, because we resolve the consequences of your accident without a claim on your policy.

As a result, you have no excess to pay, you don’t lose your no-claims bonus and the cost of your next premium should not be affected in any way. We recover the cost of your assistance directly from the insurer of the person responsible.

To find out how our independent accident assistance compares to a claim on your insurance policy, call 02392 484 244 to find out more.


So I don’t have to claim on my car insurance?

No - you can use our service instead of the services provided by your insurance provider.

You must notify your insurance provider that the accident has occurred, this is a requirement of your policy, but it is recorded ‘for information purposes only’ and they will not activate a claim.


Do you provide the same kind of assistance?

We and our partners provide the full range of services you are likely to need.

Even though you may not have all the services we provide on your insurance policy – it does not matter. Because we independently manage your claim, everything you see below is available to anyone who uses our service - regardless of their cover.

How we and our partners assist you after your accident: -

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

  • Your replacement is delivered typically within 3 hours of accepting your claim

  • The damage to your car is assessed by an independent automotive engineer

  • Your repairs will be completed at one of our approved accident repair centres or at a repairer of your own choice

  • The repairs are fully guaranteed

  • Our partner solicitors provide legal assistance with accident related issues including the recovery of expenses, lost earnings or claims for personal injuries

  • A 24/7 help line for updates and queries



To find out how we can help you today, call us now on 02392 484 244 for free help and advice.

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