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Motor Accident?

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 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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