Non-fault claim on my policy?


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.

In the UK, if you have had an accident due to someone else’s careless driving, you are entitled to have all reasonable expenses, including repairs to car and a replacement hire-car, recovered from the insurer of the person responsible.

Your insurer should do this for you. However it also typically means you will have to pay the excess on your policy, lose your no-claims bonus and almost certainly incur an increase in the cost of your next insurance premium.

Car Call and its partners provide independent alternative accident assistance to thousands of people every year. This is different to a claim on your policy because we resolve the consequences of your accident without a claim on your policy.

So, there is no excess to pay, you don’t lose your no-claims bonus and the cost of your next premium should not be affected at all. We recover the cost of your assistance directly from the insurer of the person responsible.

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


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

You do not have to make a claim on your insurance if you were not at-fault for the accident – it’s up to you.

You notify your insurer that the accident has occurred, but it will be noted purely for information purposes only, so no claim on your policy is made.

We will then deal with your accident claim in much the same way as your insurer, except we are not bound by the limitations of your particular insurance policy.


Do you provide the same services as an insurer?

We provide the same comprehensive range of services to all our customers – regardless of the type of insurance cover you have.

How we and our partners help after your accident: -

  • You will receive a like-for-like replacement for your damaged vehicle

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

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

  • Your vehicle can either be repaired at one of our approved accident repair centres or at a repairer of your own choice

  • The repairs to your car are fully guaranteed

  • Our partner solicitors will provide legal assistance with accident related issues such as the recovery of expenses, lost earnings or claims for a personal injury

  • A 24/7 help line with experienced and friendly UK based advisors



If you have had an accident that was not your fault, 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