Reduce the cost of your car insurance


Every time you make a claim on your car insurance policy - the cost of your car insurance will go up.

Even if you were not responsible for the accident – the cost of your car insurance will go up.

Even if you have a Protected No Claims Discount – yes, I’m afraid the cost of your car insurance will still go up. You are ‘protecting’ the level of the discount, not the cost of your insurance premium.

It’s all about ‘juggling’ the figures, but in the end the result is the same.


If you make a claim - the cost of your car insurance will go up.



But I have no choice, I have to claim on my insurance if I have an accident?

If you caused the accident - yes.

But if you did not cause the accident – you can get the assistance you need independently of your insurer, by using our non-fault claims service.

Our service enables thousands of people every year to get the help that they need after an accident, but without the expense of a claim on their own insurance policy.


Don't I have to tell my insurer about every accident?

Yes, we will report it to your insurer 'for information purposes only' so they will not process your claim - we will resolve everything for you instead.

How our service will benefit you:

  • There is an alternative to a claim on your own car insurance policy

  • You will not have to pay your excess

  • Your insurance premium should not be affected by your independent claim

  • You are not restricted to a specific repairer for your vehicle

  • You will be provided with a like-for-like replacement vehicle even if you don't have this option on your car insurance policy

  • All costs and charges are recovered from the at-fault drivers insurer on your behalf



Is the claims process the same as my insurer?

The process is very similar to that of claim on any car insurance policy.

We will take the details of your accident and look to confirm that the other driver was at-fault for the accident. Once this is confirmed, the following services will be arranged for you:

  • You will receive a like-for-like replacement for your damaged vehicle

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

  • Vehicle repairs will be at an approved accident repair centre or at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed and repairs are carried out according to your manufacturers specifications

  • Legal assistance is arranged for accident related issues such as the recovery of expenses, loss of earnings or claims for compensation

  • Access to our 24/7 help line



These benefits are available to you, regardless of the type of insurance cover you may currently have on your vehicle.

Join the thousands of others who benefit from our service every year, call on 02392 484 244 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