Not responsible for a car accident? Don’t claim on your insurance


This may seem like an odd statement to hear for the typical motorist, but here is exactly the same statement, but put more clearly.

Why would you pay for something, that the law says – should be free?

Yes, that’s right - a non-fault car insurance claim is actually likely to cost you money.

If you make a non-fault claim on a car insurance policy, you are likely to lose out financially in two ways: -

  • Your next insurance premium is likely to increase

  • You will still initially have to find the money to pay your excess before your car is repaired



Our non-fault claims service allows anyone to get the assistance they need, because we operate independently of all insurers you can have an alternative to a claim on your car insurance. To find out more call us on 02392 484 244 and we will be happy to help.


Don't I have to tell my insurer about all accidents?

You are obliged to tell your insurer that you have had an accident, but they must only provide assistance for you (i.e. process ‘your claim’) if you want them to.

Consequently, when you choose to use our claims service, we will contact your insurer and notify them for ‘information purposes only’ – so they do not process your claim.

Our independent non-fault claims service delivers a number of clear benefits over a claim on an insurance policy: -

  • You will have no excess to pay

  • Your no-claims discount is protected

  • You are entitled to a like-for-like replacement hire-vehicle, regardless of the ‘options’ on your policy

  • You can choose who repairs your vehicle



Helping thousands of road users every year

Our claims service benefits thousands of people every year get the assistance they need without any hidden costs or charges. See what our customers say.

Our comprehensive accident aftercare service includes: -

  • A like-for-like replacement for your damaged vehicle

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

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

  • All repairs are carried out according to manufacturer specifications

  • Legal assistance is available for issues such as the recovery of expenses, lost earnings or claims for compensation

  • 24/7 help and advice from our UK based claims team



To find out more, please call us on 02392 484 244 and one of our claims advisors 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