Non-fault car insurance claims


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 make a non-fault accident claim on your car insurance, you will almost certainly still have to pay your excess up-front before the repairs are started on your car.

What’s more, you will also probably lose your annual no-claims bonus and the cost of your insurance is likely to increase because your insurer will consider you to be more ‘at-risk’ of having another – oddly!

There is however an alternative way to get your car repaired, a suitable replacement and legal assistance – that does not involve a claim on your policy.

Car Call and its partners independently provides accident assistance to thousands of motorists every year. We arrange the assistance you need and when your claim is complete, we recover the costs directly from the at-fault driver’s insurer on your behalf.

To find out how our independent assistance compares to a claim on your car insurance policy, call 02392 484 244 and we will be happy to help.


Why do people choose our independent assistance?

There are many reasons why people choose to use our service, here are just some of them:

  • They can’t afford (or don’t see why they have to!) pay the excess on their policy

  • They don’t want to lose their no-claims bonus

  • They want to use a repair centre that they know and trust

  • Their policy only includes a ‘courtesy car’ not a like-for-like replacement hire-car



If you were not responsible for your car accident, we can look to provide the assistance you need without you having to make a claim on your own policy.


We and our partners arrange everything you need

We and our partners arrange everything you need, including your vehicle repairs, your replacement hire-car and even legal assistance if you need it.

All the costs and charges associated with your claim are recovered directly from the insurer of the at-fault driver.

Our service provides:

  • A like-for-like replacement hire-car if yours is un-roadworthy and/or being repaired

  • Your replacement hire-car will be delivered typically within 3 hours of accepting your claim

  • Your car can be repaired at one of our approved accident repair centres or at a garage you choose

  • All repairs to your vehicle are fully guaranteed

  • Legal assistance with the recovery of travel expenses, lost earnings, damaged property, help with personal injury compensation and other accident related issues

  • Free help and advice with all aspects of your claim



We independently help thousands of drivers every year with their road accident claims. If you would like some advice or would like to make an independent accident claim for you, 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