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Motor Accident?

The hidden cost of non-fault car insurance claims

If you have been involved in a non-fault accident, UK law is very clear that the insurer of the driver responsible should pay all reasonable costs and essentially ensure that you are not left out-of-pocket as a result of the accident that they caused.

‘Reasonable costs’ could include vehicle repairs, the cost of a replacement hire-vehicle and also compensation if they were injured.

Your insurer should do everything they can to achieve this for you – but are you paying for it?

For example, you will probably have to pay your excess up-front to get your vehicle repaired. That doesn’t seem right?

We appreciate that not everyone can find large sums of money at short notice to pay their excess - and why should they have to? Well actually you don't have to - if you use our independent claims service instead.

Now let’s take the non-fault insurance claim itself, will the cost of your next insurance premium go up because of the claim - almost certainly.

So, someone drives into your car and it ends up costing you money.

How our service works

We and our partners help thousands of motorists every year make their claims using our independent non-fault claims service instead of a claim on their own insurance.

We independently organise your vehicle repairs, deliver a like-for-like replacement hire vehicle to your home or place of work and arrange legal assistance if you need it.

We and our partners recover the costs directly from the at-fault driver's insurer on your behalf.

We will even let your insurer know about the accident for ‘information purposes’ only, so you do not invalidate your policy.

It doesn’t matter what type of cover you currently have with your insurer, the following services are available to all our customers.

  • Your insurance should not increase because you are not making an insurance claim

  • You have no excess to pay

  • We provide a like-for-like replacement vehicle for you to use if yours 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 starting your claim

  • Your own vehicle is repaired at an approved accident repair centre or at a repair centre of your own choice

  • Legal assistance can be arranged for accident related issues

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

  • Our Help Line is available 24/7 to assist with your queries

To get assistance after your non-fault accident, call us on 02392 484 244 for free help and advice from one of our experienced claims advisors.

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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