Prestige car insurance

If you drive a high-value prestige car, you obviously would have bought a good insurance policy to cover your vehicle. But does your policy guarantee you get a suitable prestige car as a replacement? …and do they guarantee not to increase the cost of your insurance if you are hit by a careless driver? Probably not.

It doesn’t matter how good a driver you are, anyone can become the victim of a car accident with someone who has been a reckless or careless driver.

Getting a replacement performance or luxury hire vehicle following an accident may be difficult for some insurers who are not geared up to providing this calibre of vehicle. Car Call and our partners specialise in arranging for replacement vehicles of all types to be provided to our clients following non-fault accidents.
Car Call will ensure thousands of people every year get the best possible accident assistance available. Our accident assistance is provided completely independently of any insurer.

You could use your own insurer, but…

Your insurer will still require you to initially pay the excess on your policy before your vehicle is repaired after a no-fault accident. Your claim is also likely to negatively affect your future insurance premiums as it is still regarded as a claim despite it not being your fault.

Because we independently deal with the insurer of the at-fault driver on your behalf, there is an alternative to a claim on your own insurance policy and so you will have no excess to pay and your no-claims discount should not be affected.

We provide all the help and assistance you would expect following an accident, with all the costs and charges being recovered directly from the at-fault driver’s insurer on your behalf.

Your own personal claim advisor

You will have a dedicated claims advisor who will look after your claim from start to finish.

The benefits we provide include: -

  • You are provided with a comparable replacement vehicle that is matched as closely as possible to your own vehicle

  • We provide an alternative to a claim on your own insurance policy, so you also avoid a hike in the cost of your policy at renewal

  • Your replacement vehicle is delivered typically within 3 hours (if your vehicle is un-drivable) of accepting your claim

  • Damage to your vehicle is assessed by an experienced independent automotive engineer

  • Your vehicle can be repaired at a suitable manufacturer approved accident repair centre or at a repair centre of you specify

  • All our approved repairers carry out repairs according to manufacturer specifications and only genuine replacement parts are ever used

  • Legal assistance can also be arranged for accident related issues including the recovery of expenses, loss of earnings or claims for a personal injury

To find out if we can help with your accident claim, call 02392 484 244and 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 comparable 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 comparable 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