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Motor Accident?

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 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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