RAC 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.

Considering a claim on your RAC car insurance policy? Was the accident your fault or not?

We all realise that a claim on our car insurance means our car insurance will go up – that’s just the way it is.

But before you go ahead and claim for an accident that was not your fault on your RAC policy, there is an alternative that does not affect the cost of your insurance at all.

If you were not at-fault for your accident you can use our alternative independent accident assistance – no insurance claim. Call now on 0330 058 1704 for help and advice.

We and our partners assist thousands of people every year get the help they need following road traffic accidents.

This assistance includes a like-for-like replacement hire car, the repairs you need to get you back on the road and legal assistance from our partner solicitors.

We arrange all of these services and recover the costs directly from the at-fault driver’s insurer on your behalf.


What do I tell my Insurer?

Of course, your insurer needs to know about your accident. You notify them about your accident but specify that it is ‘for information purposes only’ then they will not activate a claim on your policy.


I need to know more…

How our claims assistance benefits you:

  • No claim on your own insurance policy

  • Your no-claims discount is protected

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

  • Your replacement vehicle can be delivered to your home or workplace

  • Repairs to your vehicle at an approved accident repair centre

  • You can choose who repairs your vehicle if you wish

  • Our partner solicitors will deal with your legal issues

  • Costs are recovered directly from the at-fault driver’s insurer on your behalf



To start your accident assistance today, call 0330 058 1704 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