Report a claim to Lexham Insurance?


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 a Lexham insurance policy and you have had a non-fault accident compare the benefits of making a claim independently rather than claiming through your insurer by calling 0330 058 1704 and we will be happy to help.

If you were not responsible for accident you were involved in, we can help you get the assistance you need without a claim on your insurance policy.


Why not just claim on my own insurance policy?

If you make a claim on your own insurance policy for an accident that was not your fault, you will almost certainly have to pay the excess on your policy before your vehicle will be repaired. In addition to this, a claim on your policy may also mean that your insurance premium may increase as a result of your claim.


How our independent claims service helps you

As you will not be making a claim on your own insurance policy you can get assistance you need without having to pay the excess on your policy or affecting your no-claims bonus.

We will arrange all the services you require and recover the costs directly from the at-fault drivers insurer on your behalf.

We and our partners help thousands of people every year by arranging the following services for them:

  • We arrange a like-for-like replacement for your damaged vehicle if it is un-roadworthy and/or being repaired

  • Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of accepting your claim

  • The damage to your vehicle will be assessed by an independent automotive engineer

  • We will repair your vehicle at one of our network of approved accident repair centres or at a garage of your own choice

  • Legal assistance is included for all accident related issues

  • Our advisors are available 24/7 for any queries you may have

To find out how we can help you, 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