Not at-fault for an accident, then your car insurance will probably go up


Yes, unfortunately it is true, even though you were the innocent party in a road accident – you will probably still be penalised for your non-fault claim by your insurer and the cost of your insurance will go up next time.

Your insurer will take the view that you are more likely to have another accident in the future, even if you are not at-fault and increase your insurance premium.


I need my car repaired so I don’t have any choice but to claim on my car insurance?

Well, your insurer may tell you that, but it’s actually not true.

Car Call have been helping motorists make independent non-fault accident claims for over 10 years.

By ‘independent’ we mean that your vehicle is recovered, repaired and returned to you without you having to make a claim on your car insurance policy. We have no connections with any insurer.

So, your car insurance costs should stay the same and you don’t have to pay your excess – in fact, you don’t have to pay anyone anything at all, because we and our partners recover the costs involved from the insurer of the at-fault driver on your behalf.


Will you do everything my insurer would do - to help me after my accident?

Yes - we certainly do.

As you will discover, our independent claims service has all the features and benefits you would expect from a comprehensive car insurance policy, but without any of the disadvantages.

We will arrange all the services you would expect, and possibly some you wouldn’t – these include:-

  • The collection, repair and return of your damaged vehicle

  • We will either find an approved repair centre in your area or we can use a garage of your choice

  • A quality like-for-like replacement vehicle for you to use for the duration of the repairs

  • Professional legal advice for your accident related issues

  • We and our partners will recover the costs from the at-fault driver’s insurance company on your behalf
  • All arrangements will be made by our experienced UK based claims team who will keep you informed at every stage of the process



If you have any questions or would like to make a claim, 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