Road traffic accident claims


If you have been unfortunate enough to be involved in a road traffic accident, you may think that the best way to resolve your accident claim is to contact your insurer - this is not always the case.

If you have a road traffic accident that is not your fault, you will almost certainly have to pay the excess on your policy before your vehicle can be repaired.

We independently help thousands of drivers every year resolve their accident issues without making a claim on their own insurance policies. This means that they have no excess to pay and their no-claims discount remains protected.


How much does your claims service cost?

Because we and our partners recover the costs of the services we provide directly from the insurer of the person at-fault for the accident.


How we manage your accident claim

Your car insurance policy may have certain limitations, such as no like-for-like replacement vehicle or no legal cover.

Because we act independently on your behalf, we are not hampered by such restrictions and can provide a like-for-like replacement vehicle, legal assistance as well as your vehicle repairs - regardless of your type of insurance cover.


The benefits of our service 'at a glance'

The key advantages of our claims service are shown below:

  • No need to claim on your insurance policy

  • No excess to pay

  • Your no-claims discount stays protected

  • You can receive a like-for-like replacement vehicle within 3 hours of starting your claim, subject to us receiving all information required

  • Guaranteed vehicle repairs at an approved accident repair centre

  • Arrange full assistance with injury claims, lost earnings or out-of-pocket expenses


Call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.


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