Non-fault Claims


If someone collides with your car and you were not the one ‘at-fault’ you wouldn’t expect it to cost you anything to get it repaired by your insurer.

Actually, this is rarely true. You will probably have to pay your excess up-front before your vehicle is repaired – so you are without that some of money for weeks or even months until it is recovered from the at-fault drivers insurer.

Also, even though you are not at-fault - your insurer will now consider that you are more of a risk to insure and so your next insurance premium will be higher due to an accident that was no fault of your own.


You can get your car repaired at no-cost without a claim on your insurance

Thousands of people every year benefit from our independent claims service because it means they get their vehicles repaired without resorting to a claim on their car insurance policy.

We independently arrange for the assistance you need and then recover the costs of all the services we provide directly from the insurer of the person responsible for the accident.


Do you provide the same services as my insurer?

We provide the kind of assistance you would expect from a fully featured car insurance policy – except you don’t have any of the disadvantages.

What’s more – even if you only have the most basic of cover for your car, you will still have all the following services made available to you.

  • Repairs to your vehicle at an approved accident repair centre in your area

  • Your vehicle repairs can alternatively be carried out at a repair centre of your own choice

  • A replacement vehicle can be delivered to within 3 hours starting your claim

  • Your vehicle will be replaced on a like-for-like basis, which means it will be matched as closely as possible to the type and engine size of your own

  • The solicitors we work with can also assist you with issues such as lost earnings, damaged possessions and claims for compensation

  • 24/7 assistance from our experienced UK based claims team



To find out more, please call 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