Roadside recovery - will my insurance pay for this


If you have just broken down, you will have to arrange recovery of your vehicle using your breakdown cover if you have it - if not, you will have to pay for a recovery provider.

If you have had an accident and you have fully comprehensive cover on your insurance, your insurer should cover the cost of your vehicle recovery.

If you have third party cover on your insurance, you will typically be responsible for the cost of the recovery unless you were not at-fault for the accident, then the costs should be recoverable from the at-fault driver’s insurer.


The advantages of making a non-fault claim independently of your insurer

If you are looking to make a car accident claim, we may be able to provide the recovery, repair and legal assistance you need, without you having to make a claim on your car insurance policy.

Making a non-fault accident claim using our independent claims service has many benefits over a claim on your car insurance: -

  • You will not have to pay your insurance excess

  • Your insurance premiums should not increase

  • If your no-claims discount is not protected, you could lose it

  • We provide a like-for-like replacement hire-vehicle ‘as standard’

  • There could be limitations on the length of time you can use a courtesy car

  • You may not have a choice where your vehicle is repaired

  • Your policy may not include legal assistance



We independently provide a range of services to drivers following non-fault accidents. there is an alternative to a claim on your own car insurance.

These services include repairs to your vehicle, providing a replacement vehicle and legal advice and assistance.

When your non-fault claim is complete, we and our partners recover the costs from the insurer of the at-fault driver on your behalf.


We arrange your vehicle repairs

We have a UK wide network of approved accident repair centres offering quality, guaranteed repairs to manufacturer specifications.

If you would like to use an alternative garage, just let us know and we can arrange this for you.


Get a suitable like-for-like replacement hire vehicle

We will provide a replacement vehicle that suits your needs.

We will provide you with a 'like-for-like' replacement for your vehicle, which means that your replacement will be matched as closely as possible to the type of vehicle you normally drive.


We will arrange your legal assistance

Often accident claims may require legal assistance to recover lost earnings, un-insured losses or compensation for injuries.

The solicitors we work with specialise only in road accident related issues and you can be assured that we will aim to achieve the best possible outcome for your claim.

To find out how we can help you following your accident, call us 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