RAC Insurance car claim?


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.

If you have an RAC car insurance policy, you may normally choose get in touch with their claims line following your accident.

But did you know that for a non-fault accident you can alternatively get your vehicle repaired and a like-for-like replacement hire car without a claim on your policy?

To find out why thousands of people every year choose our independent accident assistance, call 0330 058 1704 and we will be happy to help.

We appreciate that most people can’t afford to have their cars out of action for any length of time. They could also do without having to pay their insurance excess on any accidents that were not their fault.

This is where our non-fault accident assistance can help.


How our accident assistance can help you

If the accident you were involved in was not your fault, we may be able to help you with your accident claim independently of your insurer.

Our independent accident assistance has many benefits.

  • You will have no excess to pay

  • Your insurance premium should not be affected

  • We and our partners arrange a suitable like-for-like replacement car

  • We and our partners arrange the repairs to your vehicle

  • The costs are recovered directly from the at-fault drivers insurer on your behalf



If you make a claim on your insurance you will almost certainly still have to pay the excess on your policy even if you were not responsible for the accident. You may be able to recover this amount at a later date, but this can leave you out of pocket for a significant period of time.

It will not be necessary to pay the excess on your policy if we deal with your claim.

We will provide a like-for-like replacement car as standard, so you can be assured that your replacement will be suitable for your needs.

Repairs to your car will be carried out at either at a local approved accident repair centre or at a repair centre of your own choice.

If you require legal assistance with your claim, our partner solicitors can help and advise you on a range of issues including:

  • Vehicle recovery costs

  • The recovery of lost earnings

  • Claims for injury compensation

  • Costs of lost or personal items



If you would like to know more about our service, simply call 0330 058 1704 or send us your contact details using the form on this page.

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