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Motor Accident?

Non-fault car accidents and insurance claims


If you have had a road accident that was not your fault, you do not have to make a claim on your car insurance policy – in fact, it will probably increase the cost of your insurance.

Thousands of people every year choose to make their non-fault claims independently of their insurers using our non-fault claims service. The reasons why they don’t want to make a non-fault claim on their own car insurance policy are simple: -

  • They don’t want an accident that was not their fault increasing the cost of their insurance

  • They don’t want to pay their excess and have to claim it back weeks later

  • They want the option of choosing the garage that repairs their car

  • They want to make sure they get a suitable replacement hire-vehicle



It’s not rocket science…

We help motorists involved in non-fault accidents by organising the repairs they need, providing like-for-like replacement vehicles and legal assistance.

Because we independently arrange and manage all the accident services you need, it is not usually necessary to make a claim on your own insurance policy.

Your insurer will be informed by us on your behalf ‘for information purposes only’ as your insurer requires, but they cannot increase your insurance premium if you do not actually make a claim. What’s more, they can’t charge you your excess for services they don’t provide.

When your car is repaired and you are happy with the result, we simply recover the costs directly from the at-fault drivers insurer on your behalf.

This enables our customers to receive a range of accident aftercare services, some of which may not be included in your insurance cover, such as: -

  • A like-for-like replacement for your un-roadworthy vehicle

  • Delivery of your vehicle typically takes place within 3 hours of starting your claim

  • Repairs to your vehicle will be arranged at an approved accident repair centre

  • Your repairs are fully guaranteed

  • Repairs are carried out according to your manufacturers specifications

  • You can choose the repairing garage yourself if you have a preference

  • We arrange legal assistance with issues such as out-of-pocket expenses and compensation claims

  • We and our partners recovery all costs from the at-fault drivers insurer on your behalf

  • As you are not making a claim on your own insurance policy, there is no excess to pay and your no claims discount should not be affected



If you would like to find out more about our services, simply call 02392 484 244 and we will be happy to help, or alternatively complete the short form on this page and we will call you back.

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 UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.
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