Save money on your car insurance by not making a claim


This may sound obvious, but if you do not make a claim on your car insurance policy you do not have to pay any excess and the cost of your policy renewal should not change.

If you were not responsible for the accident, you have the right to choose who repairs your vehicle. To get your vehicle repaired and without a claim on your insurance, call 02392 484 244 and we will be happy to help.


But how do I get my car repaired?

Easy... we will handle your repairs, supply a like-for-like replacement vehicle and arrange for legal assistance with the recovery of costs and/or claims for an injury.

We and our partners organise everything for you and recover the costs from the insurer of the at-fault driver at the end of your claim.


How do I know my car will be repaired properly?

Car Call has been around for over 10 years now and this has enabled us to seek out some of the best accident repair centres in the UK to add to our approved list.

These repair centres only make it on to our list if they can demonstrate that they have the facilities and technical expertise available to deliver quality repairs to our client’s vehicles. We can either recommend one of our approved repairers, or (and your insurer won’t do this) you can choose the repairing garage yourself.

All repairs are carried out in accordance with manufacturer’s specifications using genuine parts and if you are not happy with the end result for any reason, the repairer will look to resolve any issues for you.


Our comprehensive service

Car Call independently helps thousands of people every year get quality accident repairs to their vehicles, without a claim on their insurance. Compare the benefits shown below to those of your policy: -

  • An alternative to a claim on your own car insurance policy

  • All costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • You have no excess to pay and your next insurance premium should not be affected

  • A like-for-like replacement for your car if it is un-roadworthy and/or being repaired

  • We arrange the repairs for your car at an approved accident repair centre

  • You can choose who repairs your vehicle yourself if you prefer

  • We can arrange legal assistance for issues including expenses, lost earnings and claims for compensation

  • A 24/7 help line is available for all your claim enquiries


To start your accident claim now, call 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